You have described two very powerful incidents. From a Jain point of view, both are very meaningful – they are not “random escapes”.

I’ll explain step by step, in simple language.

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1. Why did you not die in those accidents?

In Jain Dharma, nothing happens without a cause (kāraṇ). Especially birth, death, and major life events are governed by karmas.

For death to happen, certain karmas must all mature together, mainly:

• Āyuṣya karma – lifespan‑determining karma
• Supporting karmas – like those causing:

- body to be destroyed - place/time of death - type of death (peaceful, accident, etc.)

If those karmas have not yet matured, then:

• You can come very close to death,
• But actual death will not happen.

So, in your case:

• Your lifespan karma was not over.
• The karmas for death in that moment were not fully ripe.
• Therefore, the car, the collision, the danger – all came close, but could not cross the limit set by your prārabdha (currently operative karmas).

From outside it looks like:

• “I was lucky”

From Jain view it is:

• “My death‑karma was not yet active; so even in a dangerous situation, I survived.”

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2. Then why did such dangerous situations come at all?

Good question: “If I was not going to die, why was I put in such a situation?”

According to Jain philosophy, different karmas give different types of experiences:

• Some karmas give comfortable situations.
• Some give fear, shock, danger, pain – even if they do not end in death.

Your incidents suggest:

• You had karmas to experience danger / fear / shock,

but not karmas to die at that time.

So:

• The situation (accident, fog, out-of-control car) = result of past karmas.
• The final outcome (you remained alive with little injury) = result of other karmas + your present puṇya.

In Jain terms:

• The situation is niścay (result of karma).
• The visible form it takes (near miss instead of death) often involves nimitta (external cause), like:

- Someone turning the steering at the last second, - Divider stopping the car, - Car slowing just a bit, - Your body angle changing etc.

Karma is the real doer, Nimitta (like driver, divider, fog, others) are just instruments.

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3. Was it really “nothing happened”?

Spiritually, a lot happened:

• Fear, shock, awareness of death – these are not small things.
• Such moments shake our inner self and can:

- Break some pramād (carelessness). - Reduce ego (“I am in control”). - Remind: “Life is temporary; I can go anytime.”

Also, according to Jain Dharma, when we face suffering or danger:

• Certain pāpa karmas get exhausted (udaya + nirjarā).
• If at that time we remember Guru / Arihant / Siddha / Mantra with faith,

we may bind new puṇya and also do kṣayopśama of some karmas.

So your chanting “Gurudev, Gurudev, Gurudev” in fear:

• Emotionally: gave you courage and hope.
• Spiritually: became a puṇya‑bandh (binding of merit), if done with faith and surrender.
• Karmically: the pain, fear, and shock may have:

- Burnt some karmas faster, - Reduced future suffering that otherwise might have come in a harsher form.

So we should never think: “Nothing happened.” A subtle inner change and karmic cleansing often happens in such events.

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4. Role of Gurudev / Mantra in your survival

From a strict Jain karmic view:

• Karma is the root cause.
• Gurudev / Mantra / Dev‑Shastra‑Guru are not creators of destiny,

but they can become nimitta (helping condition) in how karmas give result.

Meaning:

• Your ayushya (lifespan) karma allowed you to live.
• Your puṇya karmas arranged:

- A driver who turned at the right time, - A divider that stopped the car, - No other vehicle crashing into you at that moment.

• Your shraddhā / faith in Gurudev:

- Gave mental strength, - Created new puṇya, - May have softened other karmas.

So we can say in a devotional way:

• “Gurudev saved me.”

And in exact philosophical language:

• “My karmas were such that, through the nimitta of Gurudev’s memory and mantra,

I was protected and my death did not occur.”

Both ways of seeing are accepted in Jain tradition, as long as we remember: No one can override karma; even Tirthankars do not interfere in karma.

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5. What is the spiritual message for you?

Such strong incidents are not for entertainment of karma only. They are also wake‑up calls.

Some lessons from a Jain viewpoint:

(a) Life is very fragile (anityatā)

• You saw clearly: within 1–2 seconds anything could have ended.
• This is exactly what Jain texts remind us:

Life is like a bubble of water – can burst anytime.

Use this realization to:

• Reduce attachment (rāg) and hatred (dveṣ).
• Avoid wasting life in only material pursuits and quarrels.
• Increase focus on dharma, sādhanā, and self‑purification.

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(b) Value of apramattatā (alertness / carefulness)

Jain Dharma again and again teaches apramattatā:

• Be careful while walking, driving, crossing the road.
• Be conscious of:

- Your body, - Your surroundings, - Your thoughts.

Your accidents suggest:

• In this life, you must especially practice carefulness:

- Follow traffic rules strictly. - Avoid unnecessary risk. - Respect your body as an instrument for spiritual progress.

Taking more care now is also a way of respecting the chance that your karmas have given you.

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(c) Use this survival for higher purpose

You were saved twice. From Jain dṛṣṭi, ask:

> “Why has this jīva been given more time?”

Possible inner answers:

• To:

- Cleanse more karmas through sādhanā. - Reduce violence, anger, ego, greed, deceit. - Grow in ahimsā, forgiveness, compassion. - Do self‑study (svādhyāy) and samayik / pratikraman. - Serve sadhus, sadhvīs, gurus, and genuine dharmic work.

You can turn these incidents into turning points. For example:

• Decide to do daily pratikraman (even a short one, with true feeling).
• Sit in samayik or at least a few minutes of silent reflection daily.
• Strengthen a simple vow:

- “I will not drive / travel carelessly.” - “I will not speak harshly without need.” - “I will try not to hurt others emotionally or physically.”

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(d) Deepen your faith, but with right understanding

You naturally felt:

• “Gurudev saved us.”

That devotion is beautiful. Just combine it with samyak jñān (right understanding):

• Remember Gurudev as:

- A guide who shows the path beyond karma, - An ideal who has conquered passions and karmas.

• Do namaskār / vandan to Arihant, Siddha, Āchārya, Upādhyāy, Sādhu with awareness:

- “They have reached where I want to go – free from fear, birth, and death.”

Such faith + understanding gives very strong puṇya and pulls the soul upward.

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6. In summary

• You did not die because your death‑giving karmas had not yet matured.
• You did face danger because some karmas of fear / pain / shock / risk were ready to give result.
• What seems like “nothing happened” is actually:

- Karmic exhaustion, - Inner change, - A reminder of impermanence.

• Chanting “Gurudev, Gurudev” at that time:

- Gave emotional support, - Became a nimitta for puṇya and possibly softer karmic outcomes.

• Spiritually, these events are invitations to:

- Live more carefully, - Live more consciously, - Live more dharmically, - Make serious effort to reduce karmas and move towards mokṣa.

If you keep these incidents alive in your memory not with fear, but with gratitude and awareness, they can become a strong support in your spiritual journey.