The take-home lesson may be that we need better skills/knowledge tests for motorists.

A couple years ago I read an article about a personality test that an insurance company was either using or considering. They had found that narcissists were tremendous risks for auto insurance. This personality trait overwhelmed the other things they were using to set rates like gender, zip code, age and citations. I suppose it didn't catch on or I would have seen more about it since then. Pity.