Why are the hazardous driving conditions Adam faces considered "physical hazards"?

The characterization of the hazardous driving conditions Adam encounters as "physical hazards" is based on the nature of the conditions themselves. Physical hazards refer to tangible factors in the environment that can lead to loss or harm. In this case, the roads present specific characteristics—such as ice, snow, potholes, or debris—that create a situation more likely to cause accidents or other losses.

Understanding this concept is crucial for recognizing that physical hazards are not about the intentions or choices of the individuals involved but are instead related to concrete, observable dangers in the physical environment. These conditions directly influence the likelihood of accidents occurring, thus qualifying them as physical hazards under the broader definition used in risk assessment and insurance contexts.