I saw my landlady killed in a road accident, my sister died in a road accident and my daughter has been left with a disability as a result of a road accident. None of them were in anyway responsible for what happened to them.
In each case the driver was well within the speed limit, not driving drunk, or drugged or erratically, but in each case in a very complicated traffic/road situation, the driver failed to take on board one key factor. Twice because they couldn't see it and the third case because of poor situation and maintenance of street lighting.
The last accident I was in, my car was hit at little more than walking speed by a driver who had had me clearly in his vision for 100 yards at least, but he was an older driver whose reactions were shot, and he would have run over and killed that notional 5 year old because he would have hit them, long before he hit the brake.
I find this obsession with speed, by that I mean the minor accidental speed excesses, not the major flagrant breaking of the law by really excessive speed odd.
The main cause of accidents, by a long way, twice as many as the next cause, is Drivers failing to look properly, followed by Failure to accurately judge another persons path or speed. Speeding isn't even in the top 5 causes. Why not have courses for those who actually cause accidents because they did not look properly or misjudged other people's speed or path. These would probably reduce acidents far more than speeding courses.