Many accidents take place due to people looking at the results of an earlier accident and not watching where they are going. I always make sure my head and neck are placed correctly on the headrest when I have to slow down by an accident in case someone hits me from behind.
For sure, if you are not driving carefully, and you are allowing yourself to become distracted (ie taking out phone to take a photo) than you certainly should not be driving and you should be punished for it.
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