The car metaphor doesn't work out. Overcurrent protection is not any kind of crash.
The amp turns itself off when pushed too hard. It turns itself back on after a while. It's usually a thermal trip, so it comes back when it cools down.
This is not how overcurrent protection works in a modern class AB/G/H amp. This applies to almost all modern, conventional amps.
Overcurrent protection monitors the current through the positive & negative output stage, and when this current exceeds the threshold, the VI limiting circuit limits the current drive to the output stage, effectively clipping the output.
The problem with designing a 100% reliable limiting circuit is that there are many variables that come into play, and the threshold shifts by as much as 400% depending on things like output stage temperature, frequency, cabinet resistance and reactance, duty cycle, VI limiting hold-off, heatsink inerta, output transistor variences, device matching, emitter resistance, VI limiter type (1, 2, or 3 slope, delays, frequency weighting) etc.
To design for absolutely worst case adds considerable cost, size, weight and complexity to a product to protect against something that is generally unlikely to occur in most amps, certaily those operated within the recommended guidelines like say 4 ohm minimum load.
If you play an amp below it's rated minimum load long enough, youmight reach it's thermal limits but the action of the VI limiter along with a reactive load creates a pretty nasty sounding action anong with possibly overloading the protective backswing (or kickback) diodes while exposing the amp to these possible repetative inductive spikes as the VI limiter limits drive voltage sensed by a phase shifted current.
So basicly, it's a poor idea to assume that any amp is 100% protected from all faluts all of the time. Like a collision avoidance system or air bags, it's there as a backup to an unavoidable or accidental condition with hopes that it does the best it can. Air bags, BTW, are far from foolproof. Plenty of folks are seriously injured by air bags that deploy but are not fully effective.