Although I dont have a link to the studies, there have been some that both showed an inverse relationship and correlation between income and driver care. Not su

Although I dont have a link to the studies, there have been some that both showed an inverse relationship and correlation between income and driver care. Not super definitive. Notably, "nicer" meaning newer is not a static state. Higher income drivers can more easily absorb the costs of minor damage, meaning theres some downward pressure on the reporting stats from both sides. Despite the bigger risks/penalties involved with being unlicensed (driver and/or vehicle) and uninsured, it does seem that these at-risk drivers are less safe. Uninsured driver premiums are explicitly bundled. Accidents lead to worse physical outcomes for at-risk drivers (https://www.sciencedirect.com/science/article/pii/S2590198222001567 https://www.sciencedirect.com/science/article/pii/S259019822...) This would correlate with your outlook.