Consider this... the Yin Yang...
The Universe... THIS Universe... by design is perfect... in every way to help Souls who have fallen be allowed to rise above their own Karma lesson after lesson, moment by moment, life after life...
The Yin Yang shows both the Light & the Dark... & that even in Light there is Darkness & in the Darkness there is also Light. Now I'll break it down to Good & Bad, Positive & Negative. Every Thought, every Word, every Action... is only one or the other... Positive or Negative... & all Negatives must & will be corrected until there is only Positive Spirit flowing throughout a Being. Every Negative Thought you have, Word you speak & Action you take makes an impression on the Universe & the deeds are ALWAYS corrected.
Men believe they have achieved so much in their life by meaningless titles, temporary moments of triumph & striving to have material things that mean absolutely nothing after their last breath. You have men & women who look up to others for being famous, or for being rich, or for selling X amount of meaningless music that means nothing because you will not find one shred of those superficial achievements on the skein of time & space or the Akashic Records. The only thing reviewed when you die is did what you do in life bring OTHERS closer to God? The only thing the Universe is concerned with is bringing Souls back to God from whence they came.
Your scenario for example... getting hit by a car. There's too many variables...
Person A gets hit by a car & ends up in the hospital. However, Person A was a person of faith living a very demonic lifestyle prior to getting hit by the car. Being in the hospital gave Person A a new perspective on life & changed Person A for the better... getting hit by the car steered Person A to become a better person for the sake of humanity & in turn they began helping others throughout as result of it. Person A has corrected a lot of their own Karma & returns to further their Spiritual Growth.
However it doesn't always work like that... everyone's lesson is different...
Person B gets hit by a car & ends up in the hospital. Person B was a good person of faith prior to getting hit & being in the hospital turned Person B bitter. Person B goes on to live a very bitter life after being hit by the car. Upon death, Person B learns they struck & killed a child in a previous life recklessly riding a horse. Person B was not wise enough to understand. Person B regressed Spiritually.
Person C gets hit by a car & ends up in the hospital. Person C is a wise person of faith & was living a very positive life prior to getting hit. Person C understands nothing happens by chance & knows it happened for a reason. After, Person C is no longer able to walk & is wheelchair bound the rest of their life. However, Person C holds no grudge & no bitterness in their heart. Upon death, Person C has burned off some Karma & returns in the next life to further their Spiritual Growth.
These are just some very vague examples but it takes a great understanding of Genesis... Hermetics... & Revelations to fully grasp but there are MANY out there who are completely understanding of their own existence & MANY will move on to further their Spiritual Growth until they have become what they were in the Beginning.
As stated with the Yin Yang... all moments of Darkness contain pathways of Light... whether said person can see past the present moment which the Ego lives in to make decisions that will have a longer lasting effect, such as doing the right thing, is up to said person...