What increases the risk of an accident?

All three situations increase accident risk. When the sun is low in the sky, it can cause glare and reduce visibility. A misted-up windscreen makes it hard to see clearly through the front window, and iced side windows limit your ability to check for other road users, especially at intersections. Clear visibility is essential for safe driving; any factor that reduces it, like sun glare, foggy, or icy windows, makes accidents more likely. Always ensure all windows are clear before driving and use sun visors or sunglasses to reduce glare.