> people who willingly violate laws are more reckless

That's a blanket assertion - surely it would depend on the law being violated and how it is violated. What if a law was unjust? What if a law was designed to be violated? Are free speech activists in authoritarian countries reckless?

> insurance companies can only charge high rates for speeders if they can prove their past payouts were higher for speeders than non speeders.

Untrue, there's little regulation on how insurance companies determine and charge for risk and there's next to no transparency.

> Also the 20mph policy is about reducing the risk of pedestrian death, not accident rates.

The referenced article looks at 'outcomes' - `road traffic collisions, casualties, or driver speed`. Not just accident rates.