You have nicely laid out the array of possibilities here in how a seeming accident can come about with some purpose behind it, and including an active intervention energetically by outside consciousness, not to mention the imperfection of a human being that, in the course of a lifetime, some things may not get noticed in time to head off trouble. What we can tell you, in this instance, is that your mishap was allowed to happen in deference to the Law of Karma seeing an opportunity to deliver a consequence to you that was a match to prior trauma related to travel-related injury occurring in the past. So this is an illustration that requests for protection, through prayers and even high-level protocol work, can never be assumed to be perfect, all-encompassing, and therefore relied on such that any difficulty, like your hitting this pothole, becomes a source of suspicion and perhaps even a test of faith. The two latter possibilities, even though unpleasant, will be inevitable companions throughout your life in the physical because you will not see everything coming and know the workings of outside forces in a timely fashion that could help you prevent something coming together to bring about misfortune.
The purpose of prayers of protection is to do all that is practically possible with the help of the divine realm to safeguard you to the degree that can be arranged given the many variables at work, including your own steadfast adherence to divine alignment as well as maintaining your inner wherewithal and its expression to avoid risks and to be attentive, given you are always exposed because of your physical nature being fragile. There is much interplay with the divine realm in the course of your life. Given your higher awareness, this is possible to influence and request extra assistance. We do not like to give detailed explanations of karmic travails because to put a name and a face to things invites conscious reflection, repetitive recall, and possibly even a kind of obsessive and then fear-based worrying it might come again if the details are taken to heart and prove to be too likely to trigger anxiety. The imperfections of daily life have a very important role because you are here to experience bumping into things, having things go wrong, spring a leak, stop working, get injured or damaged in ways interfering with functioning, and then a series of consequences for you will play out, often making things worse and worse until you find a way to intervene and stop what could become a downward spiral. All are learning opportunities contributing to growth, developing new muscles, and sharpening reflexes to make you better and better at rolling with the punches and dodging them more so than needing to nurse your way back to recovering your well-being and inner balance once more.
So it is more a gain than a loss to experience adversity, and that is the first thing to keep in mind. We can tell you that, as shocking and unpleasant hitting this pothole became, it is of far less consequence than being killed outright. So it is far better for a travel-related injury to be absorbed by your car's tires than by your physical body. In other words, count your blessings. The Law of Karma parses things very carefully, and oftentimes the best use of prayer power and protocol requests is to mitigate partially the consequences of adversity rather than remove them entirely. Sailing through a life of perfection teaches you very, very little and will fail to prepare you for the reality of your life purpose and mission here given you are in harm's way at all times.
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