The most pressing question to me is: Why don't you wear a seat belt? How can humans be that stupid, sparing 1 second of time when entering the car? I really don't understand it.
Though in here I think big part is religion - karma / Buddha protects good people, and most people feel they're good people, so their life is already protected, you'd just think they'd get it some day as the fatal road accident numbers are so high every year and everyone knows someone who was "a good person" but is now dead from traffic..