The conclusion: Don't do vehicle STUNTS if your car and driving both suck: "Normal vehicle operation does not require a test."
Doing something normal like avoid unexpected pedestrian is a handling test.
P.199
"When a pedestrian unexpectedly enters the street ahead of her, she has to make a Handling test to avoid them"
Racing car like Shin-hyung still suffer -4 dice at 100km/h (can't even call fast) and need 3 hit to avoid accident.
5 Reaction person with advance professional skill level (5) still fail most of time of that test.
For normal person with journeyman skill level (reaction 2, skill 3) with normal car (speed interval 20, 4 hit threshold).
They can't avoid any accident AT ALL when driving above 40km/h. (-2 dice, 3 dice roll with threshold 4).
Even when driving at 20km/h, they still suffer an accident 99 times out of 100. (4 dice with threshold 4).