I think a more realistic moral scenario is this: you come around a bend, and there's a five year old on a tricycle in the road. He shouldn't be there; but he is. Do you plow over him, with minimal damage to the car, or try to break/avoid him with the risk of going off the road and into the ocean below - or hitting the cliff?

What if you're in your car with your family?

The best answer is of course: never let the car travel so fast this scenario happens - but given the possibility of an oil spill around the bend -- that might be very slow indeed.