Frailty of Life!!

Over the past few days I have been pondering over our lives. I guess mine in particular but peoples lives in general. Let me first explain why. A few weeks ago I attended a funeral in which a 78 year old man died suddenly. He had a heart attack. Then this past weekend my sister and her husband, in Hungry, were in a car accident and nearly died. They are fine now but when I saw the pics of their vehicle there is no doubt in my mind they were protected by God.
So here is where my thinking has taken me. We live our lives like nothing can evber go wrong, maybe we are indestructable. We drive and bike ride and do all sorts of things that put us in the path of death. I guess we even do things like eat McDonalds and drink beer or smoke that speed up our time to die.
I sguess these things are normal things that some people do every day and never get hurt but why do we never get hurt? Are we just that good of drivers and so is every one else on the road or do we actually believe that we are protected? Do we pray before we start the car so that God protects us or only if we are going on a long trip and we need special protection?
Msotly two thoughts come out for me for this post. One, I think we don't realize how destructable we are and two, how can I get away from using God as some sort of life insurance policy?
This is but a start to my thinking but I would be interetsed to hear some other peoples thoughts on this topic. Maybe I am the only nut that thinks like this.

md