But that's the misconception, that car accidents/fatalities are somehow all unique and with a unique solution to be applied individually. In the end almost all

But that's the misconception, that car accidents/fatalities are somehow all unique and with a unique solution to be applied individually. In the end almost all of them boil down to the same few root causes: alcohol, speed, no seatbelt, tiredness, bad car maintenance, and a handful of others. So why 1% from 500 things, do you just want to prevent just a few accidents caused by speeding? You don't need to fix 500 individual incidents but just a bit. You should fix one root cause. If your car won't drive faster than the speed limit for the area or the weather, if it won't drive at all if the driver is inebriated, sleepy, doesn't wear the seat belt properly, etc. then you prevent most of the accidents and fatalities. So you don't cut 1% from 500 things, you cut all payments for a certain something you don't want.