I hope you don't ever experience the circumstances which could make you think differently about this, because I would imagine that most people who end up in the hospital after a car accident, no matter on which floor, never thought they would ever possibly end up there. Even witnesses who remain on the scene are flawed because they are human; if there is more than one, you will invariably get more than one version of the story, often with conflicting recollections and assertions.
A friend of mine was sued for $5.5 million dollars for an accident while driving, with only $1 million umbrella policy coverage, and I was in the passenger seat. Neither of us thought that type of accident would occur either, but it did. And I ultimately had no choice but to sue him too, with his full approval because we were very good friends, for my resulting medical costs. If he had a dashcam (they were not available at the time), we would easily have been able to prove with certainty that the other driver ran a red light, because I saw ours switch to yellow after we entered the intersection. But of course, the other driver blamed him, and eyewitness reports were all over the place.
There is much randomness in life; you have considerably less control of the future that you may think -- though human beings need to feel as if they are in control in order to function so we lie to ourselves. (Is my memory correct about that traffic light being yellow? Who really knows, because I'm human and therefore flawed too.)
You could be the best driver on the road but it doesn't matter, because you're sharing that same road with every other possible type of driver.
