Final answer:
The major factor in young drivers' poor driving records is primarily their lack of driving experience. This contributes to increased rates of driver error and accidents, amplified by the added risks from distractions, overconfidence, and other behaviors.
Step-by-step explanation:
The major factor in young drivers' poor driving records is often attributed to a combination of factors. However, when choosing from the provided options, the most comprehensive reason is lack of driving experience. This lack of experience may lead to overconfidence, inadequate understanding of traffic laws, and an increased susceptibility to distractions, all of which can contribute to poor driving.
According to research, driver error is a significant cause of auto accidents. Studies like those by the American Automobile Association show that driver error is responsible for a large percentage of fatal crashes. Adolescents and young adults, especially those with ADHD as suggested by Thompson et al. (2007), tend to exhibit riskier driving behaviors.
Driving distractions such as using a cell phone and driving while suffering from sleep deprivation due to insomnia or various other factors can impair reaction times and decision-making processes, leading to accidents. Lastly, societal perceptions and insurance company policies towards different groups of drivers, like those with prior accidents, can impact how these individuals are assessed for risk and consequently, their insurance premiums.