I mean... this is a huge stretch. Car accidents are, more or less, completely out of your control as a driver. You can be an amazingly defensive driver and die. And you can drive like an ass and get lucky.

In fact, I'm sure a lot of those Uber drivers are rated well because they get there fast. Well, you have to drive like a maniac for that. In the city you need to drive bold if you want to get there with limited BS. That means risking your life.