[anonymouz]

I already told you what is safe: Your headlamps must illuminate a distance within which you can stop (including reaction time). With 50km/h this is ~40m. This is a distance that your low-beams will illuminate even in a dark night. If you want to drive faster you need high-beams or some other sources of light (street lamps).

If you don't overdrive your headlamps than objects will not just "suddenly" appear in front of you unless they are doing something genuinely stupid (e.g. jumping in front of the car). In this case the policy or a judge will decide whether you were driving prudent or safe.

We have collisions (during day and night) mainly because people don't pay attention or don't follow some basic rules (visibility, distance to car in front,...). This isn't rocket science. Don't blame fate or "general risk" if you cause a collision.