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 ?
Answer: Accidentally injuring someoneDamaging their carBeing arrested for driving without insuranceSkipping a red light