This is the essence of the paradox of that kind of Christian belief. If god's will and plan is so important then the driver that died had to be on that path to die on that day. He had no free will. Basically if god has a plan at that level of detail then free will goes out the window and everything is pre-ordained. That means when people sin and go to hell that was the plan, seems odd. This leads to that paradox of good things come from god and bad things come from man (see the WBC reply about Steve Jobs).
The second kind of belief talked about was the free will based one that does make sense. We are set down and can do whatever, there is no plan. When good or bad things happen they just happen. Maybe god intervenes on people's behalf and maybe not but there is no plan on the level of every single person (might be on a global/universe scale). I think this is closer to the typical Christian belief. This would be the kind of prayer that would take place at a race, essentially asking god to tip the odds and help ensure nothing bad happens. The problem only arises when people say this death was god's plan, god's will might be a better term, god didn't intervene rather than god decided this was meant to happen.