First, your math: 10 in 100 000 is 0.01%, not 0.1%.
You might say this just further supports your "x times nothing" argument but let's present this as follows:
If the number of fatalities are 0.01% per year, over a period of 50 years this means 0.5% chance of being killed in a traffic accident - that's 1:200. Or almost 1:1 chance of loosing someone whom you have known relatively closely (classmate, family member, co-worker, friend) in a traffic accident. A rate of 40 per 100000 means 1:50 chance.
Definitely more chance than winning the lottery, what I prefer considering practically nothing.