Teenagers have obligations. Retirees don't or if they do they're far more flexible. Grandma can just not drive at night or in bad weather. Somme teenager typically can't.
So the inherent risk of the situations in which they drive does tend to favor seniors generally
Both groups are way more likely to have early/late/all weather obligations than seniors. I suspect likelihood of having an early/late obligation peaks in one's 20s.
So the inherent risk of the situations in which they drive does tend to favor seniors generally