I happen to be one of the unluckiest players in every GTA game. I can almost guarantee that my first death will be me minding my own business walking down the street when the police will pull over and start shooting at someone who is in the area. One of those bullets will hit the car of a random npc who will then put their foot down and hit me before crashing into something. The initial hit never kills me, but the A.I for the npc is so dumb that instead of reversing to go around this obstacle, they will either just continue to drive into the wall or back up a little bit and then hit it again. Meanwhile im still under the car watching my health bar drain till I die. Sad to say I have lost count how many times this has happened.

Usually it happens when im receiving a call on my phone for a mission because you cant run when your receiving a call.