The ISS (which always has 3+ humans on it) pretty regularly has to maneuver to avoid debris nowadays (NASA is conservative and will do so if a big window has a ~.01% chance of seeing debris). You can count on your hands the number of times a major collision has occurred since the 90s, but that's probably partly because now more than ever we actively track and avoid debris.

Satellites can also be multi-million to multi-billion dollar assets. They're less like cars and more like oil-rigs.