The belief in so-called accidents is substituted by a law wherein all effects are preceded by definite causes.  Accidents, as time passes, always work out for welfare and progress of the universes.  Believers are not immune to accidents.  Blind and unforeseen accidents do not occur in the cosmos.  If psychic circles not attained due to unavoidable accident, a probation time is granted in mansion world.  Material accidents are not arbitrarily interfered with by celestial personalities.  Primitive man did not believe in accidents. 
Spirit-born individuals know that catastropghes are but redirecting cataclysms which wreck temporal creations preliminary to the rearing of more enduring realities.  To God-knowing believer, does not matter if all things earthly crash. 
The death of Joseph, father of Jesus, is something that was permitted to occur.  His advice regarding accidental wealth was that we should not consider ourselves as owners but trusters in benefit of all the group.  Jesus suffered an accident falling in the stairs in a sandstorm.  His teaching about angels was that they are not involved in avoid accidents.