I don't have an axe to grind against cars. I'm usually commenting in defense of cars. However, improving the driving tests could improve safety. Most crashes are the result of poor judgement or a lack of understanding the rules.

"Personal experience aren't stereotypes."

How do you think stereotypes start? It's personal experience coupled with group think. A perfect example is how people think nice sunny days are safer for driving. Yet in reality they are risky because people pay less attention and drive faster than in the rain. So yes, there are common stereotypes of the safety of various conditions.