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The Metropolitan Insurance Company has published this list:

Reasons/Excuses for Auto Accidents:

(1) “An invisible car came out of nowhere, struck my car, and vanished.”

(2) “The pedestrian had no idea which direction to go, so I ran over him.”

(3) “I had been driving for 40 years when I fell asleep at the wheel and had the accident.”

(4) “The indirect cause was a little guy in a small car with a big mouth.”

(5) “The other driver was all over the road. I had to swerve a number of times before I hit him.”

(6) “I pulled away from the side ...

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