Question

Describe three characteristics of at-risk drivers.

Answer 1

The first 3)
A, an at-risk driver is someone who is recklessly driving.
B, an at-risk driver is a driver who is driving at a very high rate of speed.
C, an at-risk driver is a driver who is someone who is driving in dangerous way as in no seatbelt or being distracted. 

The second 3) 
A, A characteristic of safe drivers are they wear they're seat belts at anytime the vehicle is moving,
B, they drive at a safe speed and never act the fool while their driving
C, A safe driver always pays attention to the road and areas around him. 

and now the last 3)
Three driver errors that could cause a collision are
A, texting while driving,
B, talking on the phone while driving,(because even talking take part of your attention away from the road)
C, driving all over the road as if you're the only person there. 
Also you have to answer that last question about how will it affect you because it's asking how will affect YOU not somebody else.