this is a huge mistake.
if a child doesnt know how to drive he will crash anyway, regardless on how fast he drives.
its a matter of fact that the most incidents are caused by laggers and people who have a common sense of monkey.
if you want to punish people, punish those are willingly ramming other people. not those enjoy a little bit of speed and interaction with other people in form of overtaking.
when driving alone, occasional overtakes are the only entertaining thing in online. if this is missing, people will either go back to single player where they have traffic or stop completely.