I don't think it's an either/or thing. The driver could be fully culpable, but at the same time, God would be culpable as well to the extent that the foresaw the event and was able to prevent it but chose not to.
Also, there's another issue: God's sovereignty. If God's will can be thwarted, then God is not fully sovereign. OTOH, if God is fully sovereign, then his will at least allows for what happens.
Didn't Adam choose independence from God by disobeying God?
Adam rejected God's way of ruling.
Adam set up people rule over God rule.
Adam made the choice to disobey. God warned Adam in advance that disobedience would lead to trouble for mankind.
Because of Satan and Adam, as far as God's sovereignty, Job 9v24 says the earth is given into the hand of the wicked... See Genesis 3 vs23,24.
Mankind's history have proven God's words to be true.
Mankind can't even succeed in restoring Eden to earth yet alone direct his step successfully as Jeremiah 10v23; 17v9 shows.
That is why we need God to step in, and by means of Christ Jesus he will.
Jesus will separate the humble meek sheep-like people from the wicked.
Matthew 25 vs31,32 ;Psalm 92v7; Rev 19 vs11,14,15; Isaiah 11v4.
We are fast approaching the 'final signal', so to speak, of 1st Thess 5vs2,3 when 'they' [the political powers that be] will be saying 'Peace and Safety' or 'Peace and Security' as a precursor to the great tribulation of Matt 24v21 before Jesus ushers in Peace on Earth toward men of goodwill thus vindicating God's sovereignty, God's universal sovereignty.
-Matt 24v14