[ghaff]

How could there be certainty? Even a good driver can skid on ice or get hit by an uninsured driver running a light.

[bkberry352]

Indeed, how could there? There is inherent uncertainty to the future which cannot be known, and thus there is risk which can be insured against

[throwaway0a5e]

If internet comments are any indication you just adopt a circular definition of "good driver" where all those things disqualify one from being a good driver.