> The shift from male to female is fascinating. In younger drivers accidents are disproportionately male, I guess due to high testosterone buffoonery but in older drivers it's disproportionately female.

When you correct for population size, I think you’ll see that difference largely, if not completely, goes away. There are more women than men in the UK from age 50 upwards (https://www.populationpyramid.net/united-kingdom/2025/)

One reason there are more females in accidents at the oldest ages is because the males are dead. In the UK, the average life expectancy for a female is 82.9 vs 77.9 for men, a 5-year gap.