I guess I didn't ask the right question here. My issue is with the statement "the vast majority of accidents are due to bad policy". I would disagree with this statement. Some people occasionally make bad decisions when they drive or get distracted and cause accidents. How do you create a policy to keep people from occasionally getting distracted or making a risky choice. You can't. Most people who are driving in a risky manner know how to drive safely, know that their behavior is not appropriate and they do it anyway because they don't care or think they can get away with it. Almost every person I have met who is a bad driver says something like "it's a risk I'm willing to take" or "I know the risks" without any thought about the fact that their behavior is putting others at risk as well. The only thing that usually changes these people's behavior is getting in an accident, at which point you just hope they didn't injure someone else too badly. Even then, I know of people who have been in accidents who still drive horribly. I'm convinced the problems are more cultural than anything else.