I was just watching an older episode of Topgear, they were talking about what a retired police officer has figured out over 30yrs what causes car crashes.
Its got nothing to do with slight infringments of the speed limit, however, it does have to do with;

- Careless right turn
- Agressive high speed driving
- The born again biker
- Poor Vehicle Maintainence
- Drink Driving
- Elderly

He really was on target there.....he just missed out one........Commodore Drivers