Cephus
Relentlessly Rational
I think you need to address how one might find oneself in a car accident as opposed to an accident, and the reality you are denying--that if someone understands how pregnancy is achieved, they are giving consent unless they are raped to both sex and procreation unless they use contraception--and even that isn't 100% unless they are sterilized.
Intent is what matters. A person getting into a car does not intend to get into an accident, any more than a person who engages in sex might intend to get pregnant (they certainly can but we'll assume they do not). Birth control fails regularly and is often difficult to get, due to the religious campaigning against that as well. In any situation where the victim did not intend the consequence, we allow them to get help and reverse the consequence as much as possible. Abortion isn't an exception to that rule.