Dont know...Being a Libra my record is clean on my behalf...all my accidents (10+ in the past 2 years) have been either an idiot on the road or in 7 of those cases a deer was to blame. 1st wreck ever was not 2 months after I got my license...guy decided stop signs wernt for him, resulted in screeching tires and crunching metal has he fully t-boned the truck I was driving >:( The other 2 were minor damages from people in the school parking lot who thought they could zip into a gap in the line...both failed to realize the gap they were aiming for would be closed by the time they arrived :P
As for whose the worst drivers...its the deer i tell ya. They see headlights and stop in front of you, others have private parties in the middle of the road on the other side of a hill, and some decided to play chicken and attempt to cross infront of you...they just shouldnt be aloud on the road :-/
What drives me up the wall...my deer I never report due to PLPD insurence wont touch it. As for the vehical to vehical accidents, even though none have been my fault MY insurence rates still go up >:( Theres some people that just shouldnt have a license, simple as that. Insurence shouldnt go up at all when its not your fault, or the other person should have to pay the extra for you

Why should I have to pay for some other idiots bad driving :-/