That&#x27;s why you don&#x27;t drive 100 mph, mm away from a line of stopped&#x2F;stopped cars or next to a crowded street corner.<p>Your examples are ones of exactly the type of behavior insurance companies are trying to disincentivize. Namely, fail-deadly behavior that puts you in a position where you <i>have</i> to be attentive to avoid a collision when other actors don&#x27;t do exactly as they should. Your error was putting yourself in that position in the first place.