Not replying about whether someone with a car accident was reported as a covid death, but there is little question the number of covid deaths is skewed. If a patient has covid and it is listed on their death certificate, it is recorded as a covid death. Check the CDC guidance. I was a on call with a critical care doctor yesterday. He told me stories about covid patients that will scare the crap out of you. Otherwise relatively healthy patient who end up with respiratory failure and they simply cannot correct it, no matter what they try. Life or death depends on the bodies ability to fix itself. With that said, those cases account for a small minority of "covid deaths". The majority die WITH Covid, not necessarily OF covid. But they are all counted. I've reviewed three nursing home patient records in the past month who all died OF covid. It is 100% impossible to say that they actually died of COVID. Did it exacerbate an underlying condition or hasten inevitable death? Probably, but proving that it caused their death is virtually impossible. And these were all reviewed by medical experts.
Are there deaths that are covid related or even caused by covid that aren't reported? Sure.
But it also a fact that people are dying at alarming rates from totally curable and treatable conditions. Can't say who, but there is a hospital in SC that had more cases of ruptured appendix admissions with deaths in two months than they have had in two years and this is a large hospital.