But there are some quite good markers for identifying potentially dangerous drivers beyond actual collisions. For example people who repeatedly use mobile phon

But there are some quite good markers for identifying potentially dangerous drivers beyond actual collisions. For example people who repeatedly use mobile phones at the wheel or are caught speeding. An honhest mistake is more forgivable than willfully putting people in danger. Pewrsonally I think collisions should result in a large income based fine that is given to the victim and not paid for by insurance. We need something in between "insurance sorts it out" and manslaughter.