Many serious accidents are single car crashes (more than half here). And a lot of collisions that aren't officially your fault you can still avoid if you pay attention.
I think that if we include all driving habits, single car crashes, observation selection we will get probably 1 in 10 difference, but I still surprised by 1 to 1000 difference in fatalities between most dangerous and most safe cars.
I think that also weight is very important factor: heavier cars are much safer.
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