This is an extremely horrifying experience and I am so sorry that you and your wife had to deal with this. As you said, thank the Lord that it turned out as it did.
I don't believe that your experience had anything to do with it being in The Villages...a coincidence. Unfortunately this sort of thing can happen anywhere. You just happen to witness it. I certainly hope that when you have both thought this through, you will realize that it's not a common occurrence.. I believe that the majority of villagers drive golf carts and cars cautiously, but accidents do happen.
Again, so sorry that this happened to you. Take a deal breath, and be thankful that you are unharmed.
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