Non scientific observations from 12 years of being a medic:
Women cause more accidents, but are of the "Whoopsy, my bad" variety. Simple fender benders, bumping into poles, etc. Light weight stuff.
Men are the cause of most of the more severe accidents. Driving too fast, recklessly, etc. The majority of the time, if there were no other cars on the road, they would be fine. But it's when somebody does something normal, but without checking where this idiot is going, does it turn bad.
Of course, this is completely anecdotal, and is not scientific at all.
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Luck is a residue of Design.
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