Factual error: The boat used by Bullock and Defoe to get off the cruise ship is water jet powered. The boat is shown launching from a dry dock and into the water using its engine. This is impossible. The only way for a water jet powered boat to accelerate is to be in the water.
Continuity mistake: When Alex rescues Drew, it is the middle of the night. There are a few consecutive events, then it is instantly daylight. But the events are all consecutive. There is no way the sun could rise that fast.
Other mistake: When Alex and Dante are in the bow thruster room, Juliano is giving them instructions over the public address system. However, just as Alex is about to dive under the water to turn the wheel, Juliano tells him to "hold on" and starts giving him more instructions. There is no way he could have known that Alex was about to dive.
Other mistake: The bow thruster is activated to avoid colliding with the oil tanker. Since the thruster is never turned off, the cruise ship should have continued on traveling in circles. However, after scraping the oil tanker the cruise ship travels in a straight line into the island.
Continuity mistake: Just before the evacuation, the ship stops. When Merced runs to the computer in the bridge, the speed indicator shows 18.2 knots.
Other mistake: In more than one scene, Alex is normally talking to Drew although she's deaf. She wasn't looking at him while he was talking, so she couldn't have read his lips.
Answer: Annie is a reckless driver. The way she drives during her test certainly fits with the description she gives in the first film of why her license was revoked. She only says "speeding" when asked why her license was revoked but excessive speeding and reckless driving go hand in hand. It is doubtful that anyone who has had their license revoked for speeding tickets would be an otherwise safe and responsible driver.
BaconIsMyBFF
Not everyone that speeds is reckless. The driving scene in Speed 2 is excessively bad.