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)</center> Collisions will continue, because of how Americans drive. Our highways are built just like Germany, without the Bavarian, Milanese road-tested vehicles. That last part's not quite true, but there was a recent caption in National Geographic which showed German engineers underneath a BMW realizing, they were building a car they could not afford to drive.
Not that Germans don't text and drive; they just don't on-ramp, off-ramp the "autobahn" at 120 MPH with any intention other than to drive. Lamborghini's and Ferrari's exit and merge all the time. Therefore, less collisions but more mortality.
The above may be stated to you. You know all this; you drive. But we are examining an insurance situation which goes overlooked, meeting the need(s) of one area of insurance--health insurance-- by redirecting the attention of another area--property and casualty.