To dream that you are in an accident signifies pent-up guilt in which you are subconsciously punishing yourself over. Perhaps you are not proud of something you have done. Alternatively, the accident may symbolise an error or mistake you have made. Accident dreams also represent your fears of being in an actual, physical accident. You may simply be nervous about getting behind the wheel. Or the dream is trying to warn you of some accident.
To dream that a loved one dies in an accident indicates that something within your own Self is no longer functional and is “dead”. It is also symbolic of your own relationship with that person. Perhaps you need to let go of this relationship.