Think of it like this, if you are running at your top speed, you can’t maintain that all the time, and it will be harsh on your body. The same idea applies to cars. A car that has 65 miles per hour as a top speed would be having to drive at maximum speed the entire time when traveling.
So instead, the car is made to have a top speed that is higher, so that the usual commute speed isn’t pushing the car to the limit the whole time.
Likewise, in case of emergencies, cars may need to break the speed limits.
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