Once, in Sims 3, I built a family and immediately sent their only child off to university. She walked into a building, tried to get a free soda, and was crushed to death by a falling machine. I stared in shock as the game took me back to my home world. Then I had Dad enroll in classes. He went to university, found her tombstone and took it home, then proceeded to do everything he could to revive her. I never ever let a Sim try for a free soda again.
I don't think I've had a single accidental death in Sims 4, but I feel your pain.