On a statistical level, sure. On an individual level you can improve your person chance for survival greatly by not driving drunk and putting down your phone, the shitposting can wait. Also if you've made it past your teens your odds improve greatly.
>I want to say being injured in a car accident is somewhere around 20-30% lifetime chance.
That sounds absurdly high. 25% is 1 in 4. Assuming odds were equal or higher in the past then the average person has one grandparent that's been injured in a car crash.
Whatever the rates for injury/death are they're probably not evenly distributed among the population.