Our roads have become so big in size and number that have invaded and fragmentated almost all known ecosystems and last but not least, the designers didn't take into account that in those ecosystems there were other forms of life which also need mobility like humans. So the point is that thanks to that design and those cool guys in the driver seat, the possibilities of death notably increase because there is no alternative to cross the roads and move along them.
Only the fact that "the others" were before we arrived is enough reason to decive a respect besides we are "the lowest of the low". The others also have the same right to share this planet. An accident is something unpredictable and outside to driving in a careless way, which would be an imprudence and so something you would have to pay for it.