What frequently causes young people to have “disco accidents”?

The selected combination is correct because all three factors can contribute to "disco accidents" among young drivers.

1. A lack of experience driving after dark increases the risk since visibility is reduced, and young drivers may not have developed the necessary skills for night driving.

2. Little experience with fully occupied vehicles can lead to challenges in managing the vehicle effectively, as distractions can arise from multiple passengers, affecting the driver's focus.

3. A distraction caused by passengers can significantly impact a driver's attention and reaction time, potentially leading to accidents when the driver is not able to concentrate fully on the road.

In German traffic regulations, ensuring the driver's focus and vehicle control is crucial. Understanding and addressing these factors is essential in promoting safe driving practices, especially among inexperienced drivers.