"no man is an island" and in most circumstances you're not alone when driving, unless you're on your private farmland or something.

moving fast enough to hurt or kill you in a car means you're going fast enough to damage or kill whatever you hit, too. even if that turns out to be a ditch or tree, you're still running into something.

pulling your corpse and smashed vehicle out of a ditch is going to cost someone something, even if no one else died.