Following the rules isn't enough. Being an active participate in
your own safety is just common sense.
For example, once the traffic in front of me came to a sudden stop. I braked hard, and stopped in time. I looked in my rear view mirror, and realized the guy behind me wasn't going to stop in time, so I pulled off onto the shoulder as fast as possible. That guy rear ended the car in front.
The damage was minimal, nobody was hurt, as my pulling aside gave him an extra few feet to slow down.
I've avoided other accidents even though I was totally in the right and the other guy was totally in the wrong. I just don't understand the attitude of no problem, it's the other guy's fault if he hits me.