the gemorah says that HAKOL BIDEI SHOMAYIM CHUTZ MI YIRAS SHOMAYIM AND SONOS PACHUM, hence your cold could be negligent but anything else ie driving into a brick wall would be bidei shomayim..
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the gemorah says that HAKOL BIDEI SHOMAYIM CHUTZ MI YIRAS SHOMAYIM AND SONOS PACHUM, hence your cold could be negligent but anything else ie driving into a brick wall would be bidei shomayim..