My nightmare is encountering a large SUV being driven by a woman who is speaking on a cell phone... shudder.... :)
I decided that it probably wasn't safe to be behind her and (what rapidly turned out to be wisely) decided to change lanes and get past her.
It wasn't 5 seconds later that I heard the heavy squeal of tires then 2 impacts in a row as she (apparently) looked up to see that traffic had stopped and locked 'em up.
She drove the car she hit into the one in front of it. I don't think anyone was seriously hurt (score one for big, massive SUV's) but it sure reinforced a lesson for me to do as little distracted driving as I can.