That's why you don't drive 100 mph, mm away from a line of stopped/stopped cars or next to a crowded street corner.
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 have to be attentive to avoid a collision when other actors don't do exactly as they should. Your error was putting yourself in that position in the first place.
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 have to be attentive to avoid a collision when other actors don't do exactly as they should. Your error was putting yourself in that position in the first place.