Raymond B. answered 10/05/19
Math, microeconomics or criminal justice
10 out of 400 means P(an accident/20-24)=10/400=1/40=0.025=2.5%
If less than 5% is unlikely, then 2.5% probability makes it unlikely a randomly selected driver in that age group would be in an accident.
No, it's not of concern if you only get concerned about likely events. But even an unlikely event is worth concern to the point of attempting to drive more safely, especially when insurance for the young is already very high, and would get even higher with an accident.
You might want to look at the car accidents. Were they minor fender benders or accidents with injuries and fatalities, or just car damage? The less damage or injuries, the less concern you probably would have.