It happens something like this: You're on your way to work at around 6:30 a.m. The sun isn't quite up, and the morning fog has yet to burn away, so visibility isn't perfect. You get a text from your husband, and you think it's safe to quickly respond, but when you look up from your phone you're surprised by a red light.
You stop a little too quickly for comfort and see another driver speeding toward you from behind. There's no way he's going to stop in time and, "smash," he hits you.