As an ex owner operator let me say that
>A semi tread coming off and hitting my hood.<
This shows that the driver did not carefully inspect his tires before he got behind the wheel. No accident.
>Dodging a 1,200 pound round bale of hay that left a hay trailer.<
This shows the driver did not fasten his load securely using the proper gear. It also shows he didn't stop to reinspect the load after diving a short distance to verify that it was secure. (This is what you should do with flexible loads.) No accident
>Taking to the median at 80 miles an hour because a semi driver became overly focused on mering traffic.<
This shows a driver whom I wouldn't want driving for me because IMO he isn't qualified to handle a rig in heavy traffic. No accident.