Who is more likely to crash their car? A driver under 25 driving their own car, or a driver under 25 driving the family car?

The first new player to comment on the website with the correct answer wins a free drink at their next iQ Trivia quiz.
Who is more likely to crash their car? A driver under 25 driving their own car, or a driver under 25 driving the family car?

The first new player to comment on the website with the correct answer wins a free drink at their next iQ Trivia quiz.
Their own car, because not constrained by fear of parental wrath, more likely to be showing off for friends, and the cars more likely to be older with fewer safety features.
That’s the answer, and the rationale.
I was young once. I know how it goes.