Also distracting is a wasp, large bumble bee around your head, especially if allergic. Same with a large wolf spider on back side of sun visors hen you pull it down. Especially if it's in the run and you have arachnophobia. I've also heard of head ons due to a sneeze.
Texting is illegal in Ohio if under 18. ?? I've seen better teenage drivers than some adults.
My son went to lift spare in car last year and found a few spiders. He spent the next few months talking about torching the car. Hate to see what would have happened if a spider had made it up to the front seat.