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@skidlidsid
Debate has ended with me agreeing to calm down a bit, on the proviso that next time I tell her about a near miss on the roads she doesn't a) assume initially that I was in the wrong because 'bloody cyclists' and b) she doesn't spend the conversation coming up with reasons the driver might have had for endangering me ("maybe he was late/his satnav didn't tell him to go left until the last second/he couldn't get into the left hand lane earlier").
She acknowledged that the driver was stupid - but I don't think we agree on the nature of the link between the terms 'careless driving' and 'accident'. Put it this way - if she was on a jury for a careless driving case, there'd be an element of "there but for the grace of god" in her reasoning.
Not a bad shout - I'll definitely think about it. Not convinced anything would come of it though.