I should have added to your Question, lack of concentration, Mobiles / texting, been late, not reading the road & other drivers, hesitation, travelling too close, after a rain storm, not planning your journey or what junction to come off on a Motorway & doing a LAST MINIUTE MANOVOUR, a car that has not serviced we! ( can break down in a very hazardous place, travelling alongside a HGV on a Motorway & not making progress & getting out of the HGVs blind spot. Children / animals running out between cars, with respect the elderly, Mothers Tex ting whilst pushing prams, bikes / riders with headsets on. In summer the crazy basds on Motor bikes that think they can ride like a professional.