Going to disagree with the responses you have so far. You need to consider both the cost and benefit of taking precautions. The cost of sending someone else in your place is low. The benefit is that you negate that small chance of getting assaulted. The cost of not driving in a car-centric society? It’s way higher. It could mean not being able to go to the store to buy groceries, or not being able to get a job. For most people, that cost is much higher compared to the chance of dying in a car crash.