There is an accident, so traffic is backed up, and when it finally clears, you are running late for work at the local Intel factory, so of course, you speed up a bit to make up the time lost and get to work on time. Then it would be best if you stopped, but your brakes are not cooperating, either malfunctioning or have stopped working altogether. If you are very lucky and resourceful, you manage to engage the emergency brake and stop your vehicle from colliding with whatever you were trying to stop it from hitting by pressing the brakes. If you are unlucky and things do not go your way, you will slam into whatever it was you were trying to avoid, and your car insurance will increase on top of having to pay for all the damage caused by the collision.
This situation only occurs when you have brake replacement and repair done by your local auto repair shops and local auto mechanics.