I agree with the psychology aspect of driving. I've seen it mentioned many times that a large majority of auto accidents occur a few minutes from the driver's home, and usually on their way home. Apparently, being close to their neighbourhood and in familiar surrounds, the driver's attention tends to wane as they get distracted with other things that they have to do when they get to their house.

Racing drivers have also reported that when they are not driving at 100%, they are more prone to make mistakes or crash. Most famously, Ayrton Senna's infamous crash at Monaco when he was leading the field by a LONG way. When he was asked why he crashed at a fairly innocuous slow corner, he said that his engineer had asked him over the radio to 'take it easy' as there was no chance he would be challenged for 1st place before the finish line, so he relaxed a fraction and started thinking about the victory celebrations. And crashed.