I like your honesty.
You're right about every point here.
Let's put it this way, a much higher % of women suck at driving than the % of men who suck at driving.
Girls make horrible decisions driving when confronted with an abnormal situation, and they are also more easily distracted by talking on their phones and texting because they get too emotionally involved in their conversations.
9 times out of 10 when there's someone driving like a moron, it's a girl on her phone.