Will you have an accident?

I agree with the general answers that the book provided. However, I don't feel that the probabilities are even close to being accurate because of the obstacles that we are faced with when traveling on our roads. We are subject to 'random drivers' that are under the influence, irresponsible, inattentive, and not in control. I believe that the randomly chosen driver who will be involved in an accident in the next year is probably higher than 0.2.