[dsfyu404ed]

There's two kinds of "bad" drivers. There's "the insurance company does not like it when you drive this way because you will likely cost them money" bad drivers and there's "legitimately doing a poor or ineffective job at accomplishing the task of driving". Weaving through traffic at +20 and passing on the inside in a rotary are examples of the former. Paying more attention to your phone than to driving is an example of the latter.

Florida by nature of it's popularity with tourists and retirees has a lot of the latter. Most people drive about average. When the local average is dragged down by hordes of tourists and retirees even the people who wouldn't otherwise drive that way do so because it's what's normal around them.

[loeg]

Huh? Insurance companies and the law have similar goals w.r.t. preventing personal injury and property damage. I'm not sure how you define a 2nd kind of bad that isn't just some subset of that.

Weaving through traffic at 20 over the speed limit and making illegal and surprising passes is an example of something insurance doesn't like, and doing a poor/ineffective job of driving.

[vkou]

There's a tonne of tourists driving in Hawaii, and yet, I've never had that bad an experience driving there.

Actually, that's not true. Highway 360 on Maui (The road to Hana) was the most terrifying driving I've ever seen, but that is due to the state of the road, and the familiarity (and lack of interest in spending more time then they have to on it) of the locals.