Funny, while I was in high school guys probably did have more fender benders but girls were the ones destroying cars and getting themselves killed. Of the four vehicle-related fatalities while I was in high school, three were girls at the wheel, one was one of their passengers.
And I’ve experienced the younger male gender to be more severe because they were more risk taking, go higher speeds and take out more vehicles than just themselves. Women tend to make mistakes and have less fatalities overall as they go slower and doesn’t involve another vehicle. And I’ve experienced this in more than one country. And more than one highschool. Hence why insurance companies don’t take your singular anecdote alone to set their standards. They’d lose money.
