It's a hard lesson to learn Shelly.
Everyone thinks they are in command and can control all possible events at the speed they choose to drive.
It's not always the case.
One night after just having left the office in Birmigham, I had two women walk straight out without looking from between cars queuing in the opposite direction - they were less than 20' away when I first saw them. They were completely obscured by glare from multiple headlights on the oncoming cars until they appeared in my headlights.
Even though I was doing 25 or less (a speed the investigator gave me) and having no time to consider options as they were so close all I could do was stand on the brakes. Given the reaction time I was a great deal closer before I started to slow down, even at that low speed. I still hit and knocked both of them over (all three in fact I found out from the attending ambulance crew as one was lying in the road!!!). Had I been doing the speed limit they would have been badly injured. A few mph over it could have been fatal.
I learnt there and then that speed limits (especially in built up areas) do have a real and direct purpose. Get caught doing over the limit, then a fine and points while a massive frustration, is actually far more desirable than the alternative - coroners court. Most choose that risk of a fine and points, complain when they get them, but never consider the worse possibilities.
BTW - amazingly both girls were discharged, one at the scene and the other after a nights observation. Thankfully nothing broken. Frustratingly they later claimed they had looked and not seen my car so I must have been speeding. Having calculated that I would have had to be doing 120mph from a standstill in 150m to cover the line of sight distance they soon backed down. They were busy talking to each other and not watching the road at all I was told.
Don't get me wrong, I love spirited driving, but in the right place and conditions. 30 and 40 limits isn't the place.
OK - The circumstances of this accident were a little out of the ordinary. But not extraordinary by any means. An everyday situation.
Getting there a few seconds earlier by cheating a few mph out of urban speed limits simply isn't worth it. We all still have a duty of care to all those Darwin Award candidates out there.