Why? They already used up all their luck escaping the accident.

Gambler's fallacy says the amount of luck should remain constant

The optimist's gambler's fallacy says luck is a constant attribute of an individual, and if someone gets lucky they are more likely to have a high luck stat and thus be more lucky in the future. The pessimist's gambler's fallacy says luck is a consumable resource, and if someone gets lucky they consume their luck and are thus less likely to be lucky in the future.

I have to acknowledge that I did not fully understand the lottery-ticket-buying trope until now.

Honestly, that would probably fuck me up for a little while, knowing I was less than a minute away from probably being dead. I hope they're okay, mentally.

There's a pretty good spanish film named Intacto that has something like this as it's premise: people who survive disasters have "luck" that can be captured/transferred by other people by playing games like russian roulette.