I'm just better at thinking of and spelling caucasian names. Mike, Joe, Barbie and Sue each had 2 accidents last year. Charlie had one. Mary had none. Mary must be a great driver - she had no accidents.
Lets look deeper.
Mike commutes about 20,000 miles per year each, so he really has a rate of one accident every 10,000 miles. Joe hangs around town, and drove a total of 1500 mile last year. Barbie is actually afraid to drive, and hit the garage door each of the two times she tried to go somewhere last year. She's awfully bad. Sue, on the other hand, does about 35,000 miles per year - nice, safe highway miles.