That depends entirely on setup, iRacing default setups are all bit understeery to make them easier for inexperience drivers. But change a few settings and you can get the balance where you want it.
iRacing Rookie series are naturally dangerous to drive proper racing. Rookies of course are not used to game and thats why there are so much more racing incidents and accidents on the Rookie series. I started my oval career mid-May, got away from Rookie with Street Stocks on the first week of June and starting my season 3 as NASCAR Truck driver with license B.
All I did on the Rookie series was start the race from the pits, drive clean incident-free races without racing with people and then you are out of there.
And obviously on higher class series the races are must more clean.