Anyone who drives risks their life more than they risk having a special needs child at reasonably non-late age.
We just brush off most such gambles because:
1. People have a terrible intuition for probabilities.
2. If it were better, they would go insane.
Also the entirety of society including their families emphasizing the importance of higher education, good careers, etc. even as the latter is harder to achieve and the former becomes increasingly devalued, yet pricy.