Personally I feel the majority of road accidents fall into category 1. As long as you are very careful and aware of your surroundings you can avoid a huge numbe

Personally I feel the majority of road accidents fall into category 1. As long as you are very careful and aware of your surroundings you can avoid a huge number of accidents. This is probably why experienced drivers get huge discounts on car insurance. I've managed to actively avoid many more accidents than I have been involved in and I've never caused an accident (beyond giving a car a scrape while parking just after getting my permit). Sometimes there's no winning though. Like waiting at a stop sign and someone rear ends the truck behind you (so you can't see anything behind the large truck) hard enough to send the truck into your car and almost send you into speeding cross traffic. When that happened it really freaked me out. That was definitely a category 2 event.