I don't think that's really a fair question especially since a vehicle accident is just that: an accident. Being raped is horrifying partially because it's someone's choice to do that to you.

Would I prefer to be accidentally injured over being intentionally traumatized and possibly also injured? Yeah, probably.

Additionally, i dont think my main point is clear but ill clarify: I really don't think people deserve criticism about being afraid when they're just taking reasonable precautions. Especially in a society that is just not likely to hold a man accountable for sexual misconduct.