I drive fine, and I notice a lot of people drive worst than I do on the road. That being said, a few days after I got my license and started driving, I got in a fender bender making a left on a 4 lane road during rush hour. I had to match up two gaps in traffic on both sides of the road. I took my risk with less of a gap in front, and a larger gap on the far end. Anyway, the edge of my fender got tore up by a car on the left lane from the oncoming traffic from the side of the road closest to me. It wasn't entirely my fault, according to witnesses, but because I was the one making the active move, and they were just passively going on their way, its hard to prove whether they were speeding or not. They were coming down a hill, though. So that might explain the increased speed.