> It's not 'they', it's 'their cohort' I would argue it is both: the "drive like a maniac" cohort is likely to see a higher incident rate across the population

> It's not 'they', it's 'their cohort' I would argue it is both: the "drive like a maniac" cohort is likely to see a higher incident rate across the population, and that a given individual exhibiting "drive like a maniac" behavior is more likely to have an incident themselves vs. a given individual that does not "drive like a maniac." This is driving in the open world, not art you create in your basement. Drivers are not fully in control of their environment, and riskier driving behaviors are risky even for fantastic drivers because they cannot account for how others will react to their "mania", to keep the vocabulary consistent.