Accidents are caused by factors ... (of any name) ONE factor alone seldom causes an accident. Two factors may ... and depending on the factors ... not usually serious.
The greater the number of factors involved ... the greater chance an accident WILL happen.
If one factor is removed from the scenario ... the accident may not happen.
20 km/hr over the posted limit may not be a big deal to some ... but it might get you to that accident sooner.
Speed gives you less time to react to things you have NO control over. Like other people on the road you didn't know were there. In places you didn't expect them to be.
One common factor is you were there at that place at the time of the accident. Not a cause or at fault ... but involved.
Wrong place at the wrong time. But if your wof or rego had expired ... it will cost YOU.
Such is life ... eh ...
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