An acquaintance of mine is a musician, a cello player. He and his fiance, a violinist, were recently in an automobile accident and sustained severe head injuries. Severe enough that their rehabilitation involves their therapists teaching them how to eat and speak. Normally, speech therapists help you overcome speech and memory errors - if they actually have to teach you to speak because you can't, that's a bad sign.
It's more likely than not that they will never be able to resume their careers as musicians and that they will require long-term care for the rest of their lives, at significant expense to the state (or perhaps their families, but their folks aren't exactly loaded), and that their families will experience a significant burden in caring for them.
Not that this should happen to anyone, but why wasn't it the person who hit them who experienced this severe a head injury? Or why couldn't that driver have been paying more attention, or be going a few miles an hour more slowly?
Some Christians say that everything that happens is part of God's plan, and the parents of one of these folks asked, is this really God's plan for my kid? This seems so unfair.
My response is that yes, it is unfair. Personally, I don't believe that God plans for bad things to happen to people. But Christians of both strains of thought would say, I think, that God is with us always, and that God is especially with those who are suffering. God is taking special care of my friends and their families - even if it isn't obvious.