The number of cars which pass a certain intersection daily between \(12: 00\) and 14:00 follows a homogeneous Poisson process with intensity \(\lambda=40\) per hour. Among these there are \(2.2 \%\) which disregard the stop sign. The car drivers behave independently with regard to ignoring stop signs.

(1) What is the probability that at least two cars disregard the stop sign between 12:30 and 13:30?

(2) A car driver, who ignores the stop sign at this interection, causes an accident there with probability 0.05 . What is the probability of one or more accidents at this intersection between 12:30 and 13:30, caused by a driver, who ignores the stop sign?