Lets look at the question a different way.
In scenario 1, it involves 1 car into a solid object at 100, up to 5 dead or seriously injured and the result of a fault in the driver of that car.
In scenario 2 you have 2 cars, up to 10 dead and seriously injured, one vehicle is likely to be innocent and not the cause of the accident.
The paramedic in me says the second scenario is much worse as there are more dead and injured, as well as innocent people being involved.
Who gives a toss about the amount of force involved, it is the result that matters.
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