It should also be generalize to when (for example a specific corner during dusk or dawn), and for insurers what would also be an important factor would be what

It should also be generalize to when (for example a specific corner during dusk or dawn), and for insurers what would also be an important factor would be what other cars are nearby at the hard-braking event, it's not exactly productive to flag the chicken in chicken-or-dare scenario's.