Reducing the chance of having to live with the fact that I ran somebody over and seriously harmed or even killed them, that's indeed worth an extra y dollars to me.
Furthermore, it is in the interest of my insurance company too, they might factor that into the premium.
It's hard to separate driver inattention from the effect of having vehicles that are much more deadly these days, too. If you get hit by a sedan, it'll take out your legs and you'll get flung up on the sloping hood/windshield. If you're hit by a truck/SUV, on the other hand, the majority of your body will take the direct hit.
If you actually cared, you wouldn't drive at all.
If you really cared about not getting food poisoning, you would only eat sterilized food instead of following basic food preparation guidelines.
If you really cared about not getting an STD, you wouldn't have sex at all instead of using a condom.
If you really cared about the environment, you would be living as a forager in the woods instead of reducing your garbage footprint.
And so on and so forth...