Many (hard to say how many) drivers will drive too fast because they are late for something. If you assume that their only goal is to either be on time, not be

Many (hard to say how many) drivers will drive too fast because they are late for something. If you assume that their only goal is to either be on time, not be less late, then speeding makes sense, even in a simulation. Said driver has nothing to lose - they would be late if they didn't speed, crashes also make them late, but at least sometimes they won't crash and will indeed arrive on time.