State of New York is quite congested. A car collision won't surprise anyone in a state like New York because so many people drive.
However, being in an accident is very different than hearing about a car accident that happened to someone else.
Accidents may undoubtedly result in injuries for you. You'll get hurt, though the extent of the damage may vary.
As a result, in order to recuperate properly after an accident, you might need to take a break as recommended by your doctor.
Accidents may have very tragic consequences. Either death or paralysis would be possible.
Your quality of life will suffer as well, which is a significant loss. If you have sustained any significant damages, you won't be able to live happily like other people.