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You're not the only one driving on the streets and often, other drivers are the greater danger.

about half the crashes are single vehicle accidents, and pileup drive the statistic for multicrash vehicle count, it's quite less likely being collected by a bad driver than flat stat would imply.

That stats you wrote don't disprove the above statement. You still have half crashes being multi vehicle accident, which is quite a lot.

The crash event being pileup does not changes anything.

multicar crash happens 1/cars times, duh, they account for the same fatalities but you are far less likely to be in one, because they are tied to exceptional events (i.e. snow) and non uniform across the population.

Snow is not exceptional event. Nor is rain.

And while multi car crashes happen less often, they involve more cars, so if don't affect you chance to not get into one.

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