the most common example that is the closest comparison, is i went shopping today. It a place i go every day, been doing it for 30 years, for 15 years before that i went with my mum. Drove in the carpark, went to park in our normal spot but i had an accident, i smashed into another car that was half parked across my carpark.
It wasn't my fault, cos it was raining and the windscreen wipers were out of washer, and the car window was a bit dirty and it was a bit cloudy. I couldn't really see where i was going, but since i always park there i just drove in following the lines.....
well I'm sorry but you are a flaming idiot for writing off you car!!!