[dalke]

Assuming you had 40 years remaining in your life, and no one else was in the car with you, and the cost of fire/rescue services is ignored, and the chance of serious long-term injury instead of death is also ignored, then:

Option #1 takes 40 * 365.25 * 24 * 11.4/100000 = 40 hours off your life.

Option #2 takes 40 * 365.25 * 24 * 3 /100000 = 10.5 hours off your life.

Statistically speaking then, option #1 takes off about 30 hours of your life compared to option #2.

In fact, with those numbers you shouldn't take option #1 unless you only expected to live for another 1-2 months.

On the other hand, logging workers have a highest occupational rate of death, at 127.8 per 100,000 full-time workers per year. Assuming 2000 hours per year gives a much fatality rate per hour than what you've posited, so I don't understand your point.