What hazard arises if you "over-drive" your headlights?

When you "over-drive" your headlights, it means that you are driving at a speed that exceeds the distance your headlights can illuminate the road ahead. This creates a significant safety hazard because the visibility is limited to only what the headlights can reach. If an obstacle appears beyond this illuminated range, you will not have enough time to react and stop before potentially colliding with it. This is why the correct answer highlights the risk of not being able to stop before hitting an obstacle.

The other options are distractive as they do not accurately address the primary concern related to driving at unsafe speeds in low visibility conditions. Increased visibility does not occur when over-driving your headlights, fuel consumption is not directly affected by the illumination range, and while being blinded by oncoming traffic is a relevant safety issue, it does not relate to the specific hazard of over-driving the headlights.