Some people can drive for decades without ever getting into a car accident, while the accident rates of others are so bad that their insurance companies waste little time dropping them. What makes some people so accident prone? Although the inexperience and immaturity of very young drivers is a big factor, that doesn’t explain the high accident rates of some people who are well into their thirties. One explanation is that specific personality traits make some people more prone to engaging in risky driving behavior. The more often an individual.