Not sure what you're arguing.
replyYour brain gets used to in-distribution events.
Car accidents (and the conditions that cause them) are out-of-distribution events.
It's that simple.
That’s not how the brain works. It is evolutionary adapted to stay alert for out of distribution events.
replyCorrect, and by the time an out of distribution event happens in a car, you are milliseconds from collision (if that).
replyMost car accidents are effectively instantaneous. The fact your brain perks up as a bumper is coming through your side window is not very helpful.