If you're taking a fatalistic view of things, you could argue that you are likely to have an accident once every X number of hours behind the wheel, and that the accident you had was the one you were due for. The other argument is that your girlfriend is responsible for creating the circumstances in which the accident was able to happen, but that the actual cause of the accident itself was something else. Don't forget, if you're blaming her for asking you to drive, you also need to blame the people who invented the car, Columbus (if he hadn't noticed America, you couldn't have driven from LA to New york in the first place), your parents (if they hadn't had you, you couldn't have had the accident), etc.