Yes, I had a think about this on the way home from work, and I believe that I was thinking of commercial airlines. I have been involved in two incidents so far in a car, neither of which resulted in serious injury - just a big excess bill. I would say that minor problems with a car may be dismissible, for example if you have a flat tyre, you just pull over and change it, whereas if you have one in flight, it can be very dangerous, even more so for a commercial airliner, where we have 350 people on board.
Examples only, but they illustrate my point (hopefully).
Regards,
Maz.