Context: And many situations - even when " nothing " happens - are so scary . Especially when you are on the other side of the table . For example , all of the sudden there is a bike crossing in front of you , even though you are on a green light . Or , this is my favorite , at night time , people in dark clothes with no lights and reflectors .

Question: What might the narrator be worried about ?
Options:
0. Accidentally injuring someone
1. Damaging their car
2. Being arrested for driving without insurance
3. Skipping a red light
Answer: 0