Follow my logic here, while I will not argue that most accidents happen closer to home, I don't think it is primarily due to the familiarity (though that may be part of it) with the surroundings. However, think about this.
Most of us no matter where we are going, for the first couple of miles travel the same route, then branch out from there to wherever our destination is. The further out you get from your home location, the less likely you are to be traveling the same roads over and over again.
My point being, pretty much no matter where you are going, you HAVE to travel those first few miles just about every time. So, I would say statistically, you are on those few miles more than any other mile on the road, thus more likely to have an accident on them.
Hope that makes sense to more than just me.
Amos

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