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seems to me a self-fulfilling factor, especially with the caveat "appropriate" thrown in. when digging into figures seems its a moderate proportion actually record injuries related to speed, this insurer reckons 11%.

or the next day, cant guarantee right?

interesting question and probably yes. think many motoring offenses dispense with "innocent till proven guilty", you go to court to prove some exception, excuse, mistaken identity, or plead circumstances for leniency.