What, no head-on collision?

I don't get this commercial at all. It seems to be a spot for auto insurance. The person gets up in the morning, brushes his or her teeth, dresses and then drives away from home. One expects he or she will soon have a disastrous auto crash and a mysterious insurance man will tell us the victim should have been covered by AcmeApexAmalgamated. But no. Our driver suddenly come to a school crossing and the voice-over is yapping about Capella University while a young girl, who may or may not be the daughter of the unseen driver, is coyly smiling toward the car. It looks like the kind of footage you buy hoping you can write some copy that makes some kind of sense with your product. If that's the case, the advertiser failed.