The penalties are a bit too punishing comparing to the reward you get when delivering a package. Balancing between going faster for fun, or going slow to be safe feels like we are getting the worse of both worlds unfortunately.
A little bit of tweeking on the steering (making it a bit steeper maybe) would make the game more enjoyable :)

I found the steering very very difficult! I would have to concur with the other commenter that the penalties are super harsh and the rewards for making a delivery too small in comparison (maybe I'm just an awful delivery driver).

I am grateful that the game wrote off my debt and left me with a score of $0 at the end though, hah!

Kind of weird to be able to drive off road. I kind just drove wherever I want, regardless of penalty. I like how the vehicles looks, nice vehicle AI, they seemed to drive in ways that made sense. Good job!