No, I live in Harlow itself - I see it as smallish because I grew up in London. Dispersed rather than sprawling I'd call it, neve far from the shos wherever you live in it - though the bus service was wrecked by privatisation.

I agree real accidents where no one is at fault are pretty rare events. Even when wild animals are involved the chances are the driver should have really been going slower. More often than not where two or more drivers are involved they'll all have played a part in the accident. You should always drive on the assumption that other drivers are going to do something incredibly stupid.