The one who recovers after an accident

To the Honorable Maran Gaon Hadir Shlita,
One day,
A person who had a car accident (serious, in a neighborhood in the city) and survived, the accident was caused by him being distracted from the journey while talking on a cell phone. Is it necessary to recite the blessing of the redeemer? The basis for doubt is the opinion of Maran Rabbeinu Chida Zia (Berkei Rit, 3) that in a danger into which a person has put himself, the LTC is required to recite the blessing of the redeemer. A person who did not pay off a debt and went to prison does not recite the blessing when he gets out, or is it not like a fool who is unaware of the dangers involved?
We would be happy if Yair enlightened us with the light of his Torah,
Eagerly awaiting his response.
Young learners

From the Ash of David, the Shemita of David and the Fruits of My Heart