you also have to consider this.
when you're standing in a bus and the car suddenly accelerates, you jerk back and retain your balance by connecting yourself to the bus somehow( through your feet, a pole, or handle)
in the case of the fly, if accelerated quickly enough then it would it the windshield. However, due to the extreme light weight of the fly, its terminal velocity is quite small, so it doesnt create a bloody mess.
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