Stupidity: The whole movie necessarily has to be filled with stupidity (we're talking about a 9 months kid besting 3 adults), but there's one part perhaps not so obvious and that may be related to a mistake about the ransom note. When the bad guys watch the news, it's obvious that their original plan failed, since they cannot retrieve the money at the designed drop zone, the police have been called and they'd need to rethink the whole operation. Yet they make no comment about it and don't seem bothered by that at all.
Stupidity: When seeing that the bridge is out, JLC could've easily climbed out of the sunroof and hop off the back of the limo and onto the pavement, suffering a few cuts and bruises at the most. I know that it would've been anticlimactic, but still.
Suggested correction: You're assuming that jumping off a runaway car is a simple task that anyone can do. She's scared out of her mind, and many people in a similar situation would probably be scared at the prospect of jumping off a moving car, even with the knowledge that they will be flying off the road shortly.