They aren't hard to drive on the freeway. They are hard to drive without running over people in neighborhoods. The leading cause of death in children 0-14 is automobiles. https://www.kidsandcars.org/frontovers/media-resources
Almost every driver is, as you say, "properly insured"
It is easy enough to avoid kids that death is is rare, and the insurance cost is quite low - even with astronomical insurance payouts for accidental child death.
It seems you already got your wish.
Almost every driver is, as you say, "properly insured" It is easy enough to avoid kids that death is is rare, and the insurance cost is quite low - even with astronomical insurance payouts for accidental child death.