Because darkness already reduces the visual information available to you, while passengers compete for the attention you need to read the road.
Your eyes are doing more work
Glare, reflections and poorly lit bends make speed and distance harder to judge. Add conversation and music and there is less attention left for planning.
Slow the whole situation down
Leave a larger gap, reduce speed where visibility is limited and ask for quiet before complex junctions. you are not obliged to to match the pace of the car behind.
Fatigue can arrive quietly
A late drive after work, college or a night out can be demanding even without alcohol. If you are struggling to stay alert, the correct answer is not louder music.
If much of your driving will be late at night, answer insurance questions about use and mileage accurately and check whether any policy has time-related conditions.
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