I think this "education makes you a safer driver" is bs.
I never attended a year of college...
I'm 50 and I've never had an accident that was my fault.
So there!
It's all about the odds. When you filled out your NCAA brackets, if you were smart, you predicted a few good-guess upsets. The odds are just too great that will happen every year. Same with actuarial tables. You and I are the exceptions that prove the rule.