Crashing into the back of somebody’s vehicle will automatically increase your insurance premiums, and that’s without factoring in any injuries you may cause. Crashing into the back of a vehicle is very difficult to accomplish if you are adhering to the Two-Second Rule.
There should always be a space of at least two-seconds between you and any vehicle you are following. You measure this distance by noting a stationary object on the road such as a traffic sign or a putrefied splotch of road kill you hope not to soon resemble. When the vehicle in front of you passes it, you count one one-thousand, two two-thousand. If you pass the sign or run over the dearly departed critter before you’ve reached two two-thousand, you are too-too close, and you do not have enough space to avoid hitting the vehicle in front of you if it comes to a sudden stop. The only time the Two-Second Rule does not apply is when it becomes The Three, Four or even Five-Second Rule because road conditions or visibility is poor.
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[...] The Two-Second Rule becomes the three to twenty second rule so you are able to stop well before hitting the rear bumper [...]