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you're making a fundamental attribution error[0]: that people are fixed in their predisposition for safe driving rather than being situationally influenced.

[0] https://en.wikipedia.org/wiki/Fundamental_attribution_error

Is there a bias for attributing incidents to situation over personality a bias as well? Aka is the opposite bias existent?

the opposite bias is possible in theory, but practically irrelevant. the fundamental attribution error derives from being social animals--that we care endlessly about what other people are doing and why (to predict, and shape, the social future).

the opposite--over-attributing to the situation--typically happens to deceive (e.g., shirk responsibility), rather than being an intrinsic bias of our social environment like the fundamental attribution error is.

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