I realize you already had some discussions on this point, but perhaps I can shed some light — I think your disagreements come down to a difference in interpretation of language.
Here's one interpretation of "statistics are meaningless to the individual": If X makes people in general statistically more likely to do Y (such as "avoid accidents", in this case), it does not say anything about the effect it will have on a particular individual's behavior, such as you or me. In fact, it could very well make you or me less likely to do Y. As long as it averages out over the population, the statistic is still true. But you need to know the individual in order to know how X specifically affects them.
I think you are taking a different/broader-scope interpretation of the statement. Something like: if X makes people in general (...as above), then given that we live in a society of various people, it will have some at least some impact, perhaps indirect, on all of us (c.f. your comments about taxes, insurance rates, etc).
Maybe you got that already, but I'm a sucker for helping people be aware of when they're talking past each other (: