Final answer:
Niaz's conviction that his car breaking down was predictable, despite no foreknowledge, is an example of hindsight bias, where events are falsely perceived as having been predictable after they occur.
Step-by-step explanation:
Niaz's car breaking down and his belief that it was a predictable event even though there was no prior knowledge that it would happen exemplifies hindsight bias. Hindsight bias is the tendency to believe, after an event has occurred, that one would have or could have predicted the event beforehand. It is a common cognitive bias where individuals see events as more predictable after they have happened, giving them a false sense of prediction accuracy.