The purpose of risk management is to improve driver safety and reduce the incidents of loss that occur when risk management practices are ignored or improperly used. 

A low risk driver is defined as a driver who quickly identifies real and/or potential hazards, and reduces the risk of these hazards by adjusting speed and/or position and communicates to others his/her intentions. What decisions or limitations lead to a low-risk driver?

Driver Decisions and Limitations 

• A young driver’s decisions are often limited by his capabilities and external circumstances. Drivers, lacking in driving knowledge, skills, and self-confidence, are limited in their ability to make safe driver decisions.
• Decisions are also limited by the environment. Safe drivers are aware of and use environmental information to make safe driving decisions. They might observe a traffic control sign, derive information from it, and use that information in executing a safe driving decision.
• Decisions are limited by what a driver is willing to do. Safe driving is contingent upon drivers practicing safe driving habits and using effective decision-making strategies.
• Almost all activities people engage in have some level of risk. Operating a motor vehicle is a risky activity and drivers must do all they can to reduce risk.