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The answer is No, but not for the reason you think. The fly would be travelling at 100mph relative to the road. When you apply the brakes it takes approximately 400 feet to decelerate to zero mph. The fly would still be flying forward at 100mph while your car is rapidly losing speed. The fly would start to travel toward your front windshield at a speed equaling your deceleration. Flies have extremely fast reaction times and can change directions in 1/100th of a second. Flies can also fly at 15 mph. The fly could probably fly fast enough to avoid impacting the windshield altogether. Flies due to their small mass have a very low terminal velocity speed. The air would provide a soft cushion for the fly. Even if the fly did impact the windshield it would be at low speed and small objects have a much greater strength to weight ratio and would most likely survive and therefore not be smashed.
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