Anecdotally, I’ve been hit by senior citizens 3 times. All were very minor fender benders in parking lots or at traffic lights. In each case, I didn’t have the nerve to put them through insurance. We settled it personally and never reported to anyone.

Is it possible there are a lot of people like me that take pity on these older drivers and don’t report accidents?

Another common theme I see around me is when you’re in a corridor where most drivers are speeding by 5-10mph and there’s the one person in the left lane going 10mph under the limit. They’re usually a senior citizen. That creates bottlenecks and potentially dangerous situations behind the slow driver. They could be a contributing factor to accidents and wouldn’t be included in these statistics.

I suppose you could argue that those speeding are causing the accident because they’ve broken the law. It’s a fair argument.