You don't really have agency. You don't have agency over that person blasting down the road coming the other direction running the red light. You don't have agency over that drunk nodding off and crossing the yellow line. You don't have agency over someone not looking and merging into you causing you to go off the road and roll over. You don't have agency over that person looking at their phone and not realizing they're approaching you stopped at that red light ahead while they're going 20 over the speed limit.

You think everyone injured in a car accident caused the accident?