Well if you do get hit by a car,
You chose to leave the house that morning.
You chose to cross the road at that moment and probably chose not to pay enough attention to your surroundings...
So yeah, you did cause it LOA or not.
A problem with peoples understanding and acceptance of the secret is that they want the power to 'intend' good things into their life, wthout accepting that already intended all the bad things they have now or will get in the future.
You can't choose to apply LOA to part of your life e.g. good finances and then attempt to remove it from other areas so you can blame other people e.g. the car accident.
I can tell you from my own experiences it is far, far, far from bs.
Unfortunately for you, it is working all the time whether you believe it or not. So if you start thinking about getting hit by a car a lot I would be extra careful near roads if I was you.