AbA -“The Chovos Halevavos in Shaar HaBitachon says that there is only a chiyuv hishtadlus for shmira for a hezek matzui. And getting into an accident where someone gets hurt is not a hezek matzui.”
I consider it Motzui. Motzui doesn’t mean it happens every day to every other car. Motzui means it’s common. And yes it’s pretty common for car accidents to have injuries involved!