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Lumifer comments on Low Hanging fruit for buying a better life - Less Wrong
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I'll make a stronger claim: in many places (e.g. US highways) the optimal speed to drive does exceed the legal speed limit for the simple reason that the probability of an accident is a function of the difference between your speed and the speed of the traffic around you, and the traffic on interstates generally goes faster than the speed limit.
On the other hand I've never been pulled over when doing the same speed as cars around me, and I've been speeding for over a decade at this point.