I do question something like a car accident that wasn't one's choice nor their fault which leads to death...

I no longer think you can look at it that way. Outside events mirror the inner state.

Was it all a bigger force orchestrating it all?

the Law of Attraction orchestrates it all. We are magnets for what we believe.

Or simple random quantum waves?

I've come to see that a random world cannot contain the coincidences i've experienced. however, a intentional world can appear chaotic based upon belief that it is so.