No, everyone is not around police. That is the point. 1000 deaths every year from police involved killings. Anywhere from 91-95% of those were a person that was involved with a violent crime and was armed. The vast majority of the general population is NEVER in that situation. The fact you want to use stats of the general populace that will never been in that situation shows how political you want these stats to be.
Look at the list of areas with police shooting.
Basically anything outside those areas there are no police involved killings. Zero. Zilch. The chance for one over decades of data have show you have a higher percentage of winning the power ball. Using those areas of the US to make a statistic out of is just stupid. Again you don't check for the chance of a person falling into a volcano in Kansas. I mean I guess a volcano can spring up anywhere, but I would bet everything I own it won't happen in my life time. That was the point I was making.
As far as cars, yes, many go their whole lives without a car accident. They are still being exposed to the danger of a car accident out of their control as long as they are on the road. Mechanical failures, weather anomalies, and other bad drives can all cause a car accident at any time to anyone and anywhere on the road. Some people get lucky. That is just random luck in the statistics. It isn't someone you can calculate for.
What I can calculate for is that if you live in Montana the chances of being shot by a police officer is zero. Has been for a long time. Clumping that state with Illinois is just stupid. It provides no value. By value, the whole point to statistical analysis like this is to find strong correlations to a problem to attempt to come up with solutions to problems. Using a large general population per capita stat doesn't do that at all. Doesn't show or provide in correlation. Can't even really be used as a starting stat for a deeper analysis dive. It is literally a political scoring point at worst. It makes sheeps believe in a problem that doesn't exist.