Overwhelming number of accidents is caused by Orientals and Indians (to a lesser degree), in most cases the new inexperienced drivers (AKA FOB)have never driven a car before arriving in north America.
There is a company here in Maryland with a sizable Indian contract employees. The company used to place them in executive apartments and used to give them access to free company car when they arrived here. Guess what? In one year the employees (yes all Indians) had so many accidents that the insurance company cancelled their policy!! Needless to say the new employees have no access to company cars any more.