Note: marcinzim was referring to the probability of "getting into an accident". It's not clear what the law firm you link is referring to since their source doesn't cite their sources properly, but it looks like they might have been referring to the probability of being injured in a car accident. Even so, I'm not sure where they get their numbers or exactly what the numbers are supposed to refer to. See the sibling comments for some references to statistics that are very different from those that the law firm seems to have gotten from an insurance company.