Is it normal to believe in dwell on near-death experiences?

About two months ago, I drove to work here in the UK in icy conditions. I was driving well within the speed limit when I lost control of my car and my car spun round a few times before coming to a full stop. I was all alone at the time and there were no other cars on the road for miles. I was in a state of shock but recovered quickly.

Just a few hours ago, I was crossing the road. Being totally distracted by other thoughts, I didn't realise a car coming my way and it managed to swerve in time to avoid hitting me.

On both occasions, I could have been killed given different circumstances. Now I sit on my desk thinking about these two occasions always. It almost felt like I'm not supposed to be alive right now, like as though I've cheated death. All of a sudden, I started thinking about my family and my three nieces. I now feel so lucky to be alive and at the same time, I hate myself for being so stupid, putting my own life in danger like that.

Do you believe in fate, that everyone has a destined time of death? Do you believe in omens for the future? I'd love to hear about 'near-death' experiences that you've had before and how you've reacted to them. Thank you for reading this.