But I’M a Great Driver...
Some people may never have been in a serious car accident, or even know anyone who has. This can lead them to believe that the risk of having a car accident is small. Every time they take chances on the road without getting into an accident, that belief is strengthened.
To make things worse, it's not just their own lives that they put at risk, but the lives and well being of everyone else on the road.
Imagine having to face the family and friends of someone who's been killed in an accident caused by you - and to have to explain that it happened because you took a foolish risk on the road.