Who is at fault if you cause a car crash in Australia because a spider falls into your lap and you freak?

I just saw a Youtube video on Australian Huntsman spiders falling into motorists' laps from the sunvisor. Apparently, this has happened more than once. If you freak and crash because of such a situation, does the insurance still apply some measure of leniency, or is it simply your fault because you "chose... show more I just saw a Youtube video on Australian Huntsman spiders falling into motorists' laps from the sunvisor. Apparently, this has happened more than once.
If you freak and crash because of such a situation, does the insurance still apply some measure of leniency, or is it simply your fault because you "chose to freak"?
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