Women have more car accidents, but the damage is less. Men, especially young men, have catastrophic accidents.
Fresh out of college, I was stationed in Germany for over 4 years. I really learned how to drive there: the autobahn, wintry driving conditions, black ice, etc. I developed the ability to anticipate what other drivers could do. I probably drove over 40,000 miles at speeds in excess of 100 mph, thanks to the autobahn.
Those skills were tested as I've taught my children to drive. I drilled into them the necessity of what to watch for, supplemented by one directive: put the phone down and pay attention!
I've had my share of good luck over the past 40 years: one accident (I was rear ended, with no injuries), though I recognize there could have been others. Now, I can tell when another driver is texting or otherwise distracted, and I stay the heck away from them.
I've also had a few speeding tickets over the years, but just one in the last ten years.
OTOH, I consider my wife to be a good driver, but she's too easily distracted. She can't compartmentalize while on the road, seemingly always worrying about something (kids, family, job, money, you name it). She's been involved in several accidents, not of her own making, though I wonder if she could have avoided them with more attentive driving.
Even after a couple of her recent fender benders, I'm NOT going to suggest anything to her! lol