[awongh]

This seems like a clear case for government regulation over libertarianism, because who else holds the interest of this sort of social good at the scale of all cars driving the roads?

The personal moral dilemma here is crazy. Are you willing to risk your own life and the lives of anyone else in your car over the lives of the people in the other car? It's so terrible but you also can't fault anyone individually for choosing a larger car for safety reasons. (Those reasons being, I would prefer to kill someone else than kill myself or others in my car.)