I think I can explain the opening scene, it's Supernan 3: Richard Pryor hacked the bank sign and ATM. No human being has any semblance of motor skills. Every accident is the product of some lethal Rube Goldberg machine. The only alternative explanation is that the entire opening consists of stock footage from the segment of infomercials where the actor is incapable of doing anything a normal human being could easily do: "Tired of watermelons murdering you in your car? Get Maximum Overdrive!"