Baptism is not a magic “get out of jail” card. It is a sacrament, and as a sacrament deserves the dignity and solemnity that should be accorded it. It is fantastic to want to save all whom you meet. However, it might be worthkeeping in mind that Our Lord spent three years catechizing the Apostles; He didn’t take them to the Jordan, dip them three times, and then say “Come, follow me to My execution this week.”
When adults enter the Church, they are normally given a period of time of intstruction; varying normally between September to Easter, or better, from Pentacost to the next Easter; and if they are not ready, they are encouraged to continue on studying (most often through RCIA). There is reason that the individual should have at least a rudimentary understanding of what being a follower of Christ amounts to, and give assent. What happens to your proposed individual in the accident, should they survive? Are you there afterwards to follow through with catechesis? Will anyone (other than you) even know they have been baptized?
It might be noted that in the Gospels, Christ did not go around making people His followers; He invited them to do so, or they on their own prompted that they wanted to be one. so it needs to be with those we meet; they need to be invited and indicate they want to follow Christ, or on their own so state.
It should be noted that if someone not yet baptized but in RCIA should die before Easter, they are given a Catholic funeral. That is not to minimize the sacrament of baptism, but to follow what the Church teaches.
