Source? It seems much more likely that most accidents happen within some smallish radius from home because one is much much more likely to be driving there as

Source? It seems much more likely that most accidents happen within some smallish radius from home because one is much much more likely to be driving there as home is the presumably, on aggregate, most frequent starting or ending point for a person (besides, possibly work or a transit hub, etc.) – the other end points are much more dispersed, but home definitely biases the distribution of driving location and therefore one would expect to see more accidents near home even if the moment by moment probability of getting into an accident was uniform.