85% Of Car Drivers Break 20mph Speed Limits, Reveals U.K.’s Department For Transport
That part is all good. The problem is they don't care whose car it is. If I was to borrow your car, and then break this law, then YOU are out a car. Yes, you can try and get the money back from me, but that might take a decade if I don't have money to replace your car.
If you ask me, that's crazy.