Nothing happens that God does not know about and nothing happens that God is not in control about. No matter how tough a situation anyone finds themselves in they can rest assured that it wasn't by accident.
We dont know when our time to die will come. We are never promised tomorrow. Thats why its so important to get Eternity settled now. There will come a time when our time is up. If asking God for forgiveness for sin is still on your to do list when that moment comes you will not be in a better place.