if caught in a riot and someone was trying to get out, then yeah, it's not his fault. but if they were just trying to walk home through a riot then they're an idiot.
at the same time, if traffic is flowing much faster than you are, and you're trying to get into the right lane and out of the way but get into an accident, then it's not your fault (depending on circumstance of accident of course). but if you're just driving speed limit totally oblivious to what's happening around you, then you're an idiot.
i just don't think that bad driving could be equated with speeding (as icbc states and tries to get everyone to believe). i DO, however, believe that bad driving is equated with those who are unaware with what is happening around them. look at the notorious richmond drivers for example, how many times were you cut off by someone and when you got around them and stared at them you find that they STILL have no idea that you're even there? being unaware leads to bad decisions and causes accidents. speed may cause larger accidents with more damage, but not necessarily more accidents.