where 2-lane bidirectional traffics are heavy, especially if one lives in surbubs. So the chance of head-on collision is pretty high.
Unless if one lives in a city apartment building so most of the driving would be on city street or divided roads.
http://articles.moneycentral.msn.com/learn-how-to-invest/new-investor-center-video-ap.aspx?cp-documentid=3438fa77-2997-40c8-a70d-d9c2f5a55ec8&from=cp_en-us_Money_4-15-09-crash-test-slide-show_video&fg=MSNmoney-slide-show