When we drive, we know the consequences that may occur if we do not take quick decisions. There are many books and guidelines which show the cause and effect. So we are almost sure as many of such situations have a precedent cause and effect properly demonstrating the costly consequences and persuading us to take quick actions. Then there is always a sudden reflex action which comes to play in emergency situations sometimes ending in quick action.
However in life many times we face unique situations. The experience of one may not be applicable to our situation. Then there is always the case of overconfidence in ourselves managing situations. We lose the judgement of the probable consequences also. Thus we fail to take anticipatory remedial actions. We end up reacting post-act.
While driving has classes where even situations can be stimulated, and opportunity to learn comfortable under someone's guidance and then practice, life does not have a chance to 'rehearse', but there is only straight performance. So we cannot anticipate and also cannot take quick action by reflex.
No life without Sun
But in our life we may be facing many hurdles. For every problem there will be a solution but it will not come to your mind spontaneously. Sometimes there may be more than one solution. One has to understand the situation completely and take correct decision. We can't commit a mistake in solving a problem which may create another problem to us.
So my opinion is our can't be compared with driving and you can't take spontaneous decisions in your life.