> If they know they are not a high-risk driver Nearly everybody sucks terribly at evaluating their own driving performance, and I have only met one or two peop

> If they know they are not a high-risk driver Nearly everybody sucks terribly at evaluating their own driving performance, and I have only met one or two people who have had their driving performance properly assessed by a trained evaluator. TL;DR: no-one knows that they're a low risk driver, and the people who claim "I'm a safe driver" are often much worse than average.