No, the real test is how survivable the vehicle is in a collision.  Probability of suffering an accident is a separate discussion.<p>If your family is T-boned in an intersection by a drunk driver who ran a red light, are you going to say, &quot;Well, at least the <i>odds</i> of that happening were very small, since she rarely drives!&quot;<p>No, you&#x27;re going to be dealing with serious injuries or possibly deaths and you&#x27;re going to be saying, &quot;I wish they&#x27;d been in a larger vehicle that was more survivable.&quot;