[hedgehog]

I'm a little skeptical, it would be interesting to add odometer data, time of day, and distance from home. My driving is on low end of the collision risk spectrum because I don't drive much, mostly day time, and mostly routes that I've driven hundreds or thousands of times and where know the lines of sight and cadence of traffic. On the other hand I would expect more risk for someone who worked night shifts, did taxi or delivery type driving where they're often in unfamiliar areas, or just plain put in more miles. I would expect these effects to create a wide collision frequency spread even holding constant skill and good intentions.