I see it daily. And the resultant expertise at the wheel is no different than a non-texting driver slugging down a fifth of Glenfiddich before punching his Lexus up to 90 in a 65...then slowing back to 55, weaving a bit...then gunning it to 85 again because you try to pass him...then slowing back to 50 for a very important message, while drifting in and out of the lanes both right and left.
The only traffic accident I've had in three decades happened a few years ago. I was in Houston's Westchase district heading southbound in the the second lane of the Sam Houston Parkway. It was mid-afternoon, the traffic was wide open, and I was doing a hair under 70 in a 65. A black F150 came up behind me like I was standing still. I realized the driver wasn't changing lanes and I punched it, trying to get my speed up as quickly as possible. No time to evaluate whether the lanes to my right or left were open.
Bam. Rear-ended while doing at least 75 on the tollway.
It was a very young woman driving her boyfriend's truck. She claimed she was trying to avoid being rear-ended by another truck that had been riding her bumper.
Uh huh. Right. Even though no other vehicle even came close to engaging with our collision.
Before I even spoke to her, I began taking copious numbers of photos of the scene, my car, and her truck.
TIP: Photograph everything as quickly as possible, before stuff moves.
TIP: Most phones also have audio recording capability: turn it on immediately. Capture everything you can.
TIP: Never say, to anyone, that you feel fine following a collision. You may feel okay at the scene, but it may take many hours before symptoms become apparent.
No LEO came to the scene of this accident, and in urban situations I believe that's the norm. Even if a vehicle has to be towed, there may be no LEO response unless injuries are reported.
My collision expenses worked out okay, and I believe that was in large part due to my aggressive photography of the scene.
And, no, I wasn't injured. It was about a 15 mph collision (75 mph + 90 mph).