Paraphrasing Tolstoi, every accident is different in its own way. I see that approach as unscalable as current antivirus companies.
Making a blacklist of every possible accident condition is as foolish as making a blacklist of every possible harmful Turing-complete program.
When you learned to drive, was there a big book of every accident to avoid? Or did you slowly learn the overall patterns, from experience and near-misses?