Smart cars are actually far heavier than the heavy quadricycle class, or even my proposed American analogue to it (which is nearly twice as heavy). And, I wasn't talking about electrics at all. (That's actually another separate discussion, but in-road in-motion charging is the answer there.) Also, I actually really hate the Smart, it's awful at almost everything it does, but it won't leave you stranded in the middle of nowhere out of fuel.
Most Smarts in the US run on gasoline, have an 8.7 gallon tank, and EPA combined mileage is 36 city/highway. That's 313 miles. Or, if you're driving far enough in a day that this is a concern, it's gonna be all highway, and EPA highway is 41. That's 357 miles.
357 miles will get you to a gas station. OK, you need premium, but 357 will get you to one that has premium, too. And, if you're driving 357 miles one way to work, you are far from typical, policy shouldn't be written around you, and when the hell are you going to sleep?