Pestcontrol
In Cryo Sleep
If you look at all 25 year olds with 4 years of experience though (which means they start driving at 21, quite a bit more than the 16 we're discussing), how many will have no claims?
The driver you describe probably drives safely and responsibly (or very little), but that doesn't say anything about the group of 25 yr olds with 4 years of experience as a whole.
The driver you describe probably drives safely and responsibly (or very little), but that doesn't say anything about the group of 25 yr olds with 4 years of experience as a whole.