The most common and most likely answer to this crossword clue is the 10 letter word TOTTING-UP
I've seen this crossword clue in Financial Times
T
O
T
T
I
N
G
-
U
P
Buddy explains!
The straight part
We know that "problem for a driver" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case problem for a driver = totting-up.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.