Jesus Christ, God's spokesman in human form, discussed this problem with His disciples. I'm glad He did, otherwise we would still be guessing. His discussion of the problem is found in Luke 13:1-9.
In this book you will read not only of God's general, common blessings to all, such as the air we breathe and the rain which sustains our life on earth, but also of His special blessings, such as salvation, which is individual in its nature and its appropriation.
As with blessings, so it is with sufferings, also. There are general, common sufferings, including accidents, from which believers are not necessarily exempt, although they may sometimes be spared from them. There are also, however, special sufferings which God brings upon individuals in retribution for individual sins. But these sufferings are not necessarily experienced to their fullest extent in this world. However, they will be inescapable in the next world, even as the particular blessings of the believer will be fully experienced there. You will be less confused about the origin and purpose of accidents and suffering after reading this book.