Here's the link to a tragic story of a beautiful 16 year old girl who was in the wrong place at the wrong time and was hit by a drunk driver. The story is remarkably similiar to yours. She was trapped and the firefighters couldn't free her and had to watch her burn alive. They thought they were removing a corpse from the car and then found a pulse. Her entire body was burned and she was not expected to live.
Apparently the firefighter was tormented with nightmares and guilt after the accident. I'm sure he would have liked to be able to feel good about saving that girl.
http://www.helpjacqui.com/home.htm
It just doesn't make sense that God allows some innocent children to be saved and others to suffer a life of terrible torment. It makes more sense that these are random events or unforseen accidents and that sometimes people die horribly and other times they are lucky enough to live next door to a neighbour who is trained in EMT and happned to be taking out the trash at that moment. The randomness and unfairness of life and of pain and suffering is a very hard reality for humans to accept. So they try to "find meaning" in such events that make it easier to bear psychologically.
For instance, when my son was little, I worried every day that something bad was going to happen to him when he played outside. I had quite the imagination. When something bad did happen to him, I could have said, "I knew it, I had a premonition that something bad was going to happen to him today.!" Technically, it is true. However, I had that premonition every day and 99.9% of the time, it didn't happen. We tend to ignore those times because nothing noteworthy makes them stick in our memories. The law of probability and statistics show that sooner or later something bad will befall most of us in our lifetime. Maybe 50% of the time we will be lucky and something or someone will save us and the other 50% of the time we are shit out of luck!
Just as there is no reason to believe that God causes innocent people to suffer horribly, there is no reason to believe that he saves other people from harm. We can't have it both ways, saying God is responsible for all the good in the world but not for any of the evil. If he exists and created everything and is omniscient, then he is responsible for everything.