After all, talking about the incentives of life threatening injuries from serious car accidents towards safer driving is creepy. I think there is very reasonable and widespread moral disapproval of the practice.
Dunno, thinking of serious injury risk as an incentive seems implicit in the idea of risk compensation, which is quite popular:
Notable examples include observations of increased levels of risky behaviour by road users following the introduction of compulsory seatbelts and bicycle helmet [sic] and motorists driving faster and following more closely behind the vehicle in front following the introduction of antilock brakes.
Dunno, thinking of serious injury risk as an incentive seems implicit in the idea of risk compensation, which is quite popular: