“Likelihood of crashing” is part of the cost of ownership (regardless of engine type). For example, suppose a particular model comes with certain features that are more likely to distract the driver, thus increasing the rate of highway collisions, thus either increasing the cost of repairs over the life of the vehicle or just shortening the life of the vehicle—all else equal, this vehicle has a higher cost of ownership than a different model with fewer distractions, collisions, repairs, etc.