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while what was said here about some events being decided months before (so you would have to reload earlier) what i found out with my post (and a few tests) is that this isnt one of those cases.
That is part of a serie of events that were added relatively recent where your character might have a chance of having an accident that may kill or injury him/her, and it is set from the beginning. In other words, your character is flagged and will have it happen no matter what.
In my case, it happen about 7 years into the campaign, after many reloads (from a few months earlier to a couple years) i decided to reload from the start and replay those 7 years again, and at the exact same date, it still happened.
Basically your rulers is already pre-determined to have that accident.
After some advice in here, i end up starting over and changed the settings. There is an option about harmful events (i dont remember the exact name but it is easy to spot) and turned it to the "safe" option. Some people told me that this option wont eliminate those events from the game, but will make it harmless. Since i did this i havent seen any event of those again tho, so i dont know if it is just luck or it actually completely removed them. But even if they are not removed, as long as this makes them harmless is already way better imo.
just remove the stats with console or edit the save.
Yep. Another way I avoid the harm event is to make my king/emperor/etc the leader of a standing army for a few months. Works well so far. :)