I avoid that, too. Not my problem. Not worth taking a bullet for my wallet when their little con works. The very fact that doing this has seemingly gotten you up close with the drama of others proves my point.
Maybe I'm an asshole, but I'm not the asshole who's going to take 2 in the back of the head from the hidden second person while changing some girls flat tire.
"What if that was my mother, wouldn't I want someone to stop?" No. I dont want some stranger pulling over. I'd want her to call AAA and a uniformed person in a recognizable vehicle could render aid if no one she knew was nearby.
Or...let's say it is just what it appears...hard to fake a smoking front end, blown radiator, and splintered pole. But then you begin speaking to the occupants in the car, and it becomes clear they were on meth, and they perceive you as law enforcement. And buddy, no undercover narc is gonna haul THEM in for a 3rd strike! That pistol comes out of the glove box/from under the seat...Bad day for you...
Situations are too fluid for me to, by choice and without compensation for risk, place myself randomly into them.
Ymmv, and it's always a personal call.
*yes, I am often mistaken for LE. Last time I was in a wreck, some girl had lost control of her suv on ice and hit me. Then another person hit the bridge. The girl who hit me was on the military crest, and between her suv and oncoming traffic. I did not want to watch her get splatted, so I directed her to the shoulder, etc. Took command of the situation, got all vehicles out of traffic, and began getting insurance info from her after dialing 911 and being told officers were busy with dozens of wrecks and it would be some time. The second person who only hit the bridge asked "are you a cop, can I leave, please? I didn't hit anyone!" And acted very nervous. I told her I didn't care what she did, no I'm not LE, no its not my problem. She left. So yes, if you have a commanding personality and know how to deal with life, you often get pigeon holed as LE or Military in my experience. It's a very valid concern, imo. So no, I don't want to pull over and someone with some rocks in the car think I'm a narc and get all trigger happy even though it was a legit accident and I am just trying to help.
You never know. I'd rather not find out. Again, ymmv