&gt; 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>Wow, you were there?<p>Forgive the sarcasm but you&#x27;re speaking as though you were when in fact you are utterly clueless about the rest of the circumstances, and you probably are unfamiliar with the local territory.<p>&gt; Your examples are ones of exactly the type of behavior insurance companies are trying to disincentivize.<p>Well, let&#x27;s just say you are dead-wrong about that.<p>&gt; Namely, fail-deadly behavior that puts you in a position where you have 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.<p>Classic strawman, you made up an extension to the situation and then you valiantly knock it down.<p>Well done. Really, what would it take to get you to re-phrase your comment into something like:<p>&quot;Forgive me for asking because I don&#x27;t understand how these situations came to pass in the first place?&quot;<p>And then I would have answered:<p>The tourist was a Japanese dude who was standing right next to one of the most busy streets in Amsterdam, I was doing about 50 kph, right along with the rest of the traffic there (and considerably slower than the taxis overtaking the rest of the traffic) when a guy stepped <i>backwards</i> of the curb while looking through the lens of his camera. Obviously he lost is balance and I stopped the car mere centimeters from his fallen body wrecking a set of nearly new tires in the process. We shook hands and that was that, I&#x27;m sure he&#x27;s going to be a bit more careful in the future while walking and looking through his camera at the same time. The alternative - to swerve - was not an option because of the higher speed traffic in the tram lane and it wouldn&#x27;t have worked anyway. Good I keep my cars in excellent shape and kudos to whoever designed the brake system on the Citroen DS.<p>The toddler was a much slower affair, this was in a street with slanted parking (quite common in the old south part of the city), this little tike had escaped from his mum and came out from in between two cars well under mirror height. I wasn&#x27;t going very fast and fortunately there was a large open space on the other side of the road (super market loading area or something to that effect, I forgot) and so I had plenty of room to swerve when I saw something move. At first I thought it was a dog. An emergency stop there would have been too late, he practically rolled out under the car.