alt Hacker NewsThis is an example of risk compensation. When people perceive greater protections around themselves, they tend to become more aggressive at the margin, such as with the driving habits that you mentioned or hitting more violently in American football because of improvements in helmets and padding.
Football might be a weak example, because being able to hit harder is an overwhelming competitive advantage. A player who acted like they were not wearing a helmet would be effectively dysfunctional.
In contrast, most careless driving habits don't actually get anybody to their destination any quicker.