My two-cent interpretation would mirror yours;
The accident being indicative of other people being in control of your journey through life, and not being very good at insuring your well-being, resulting in chaos. -And the masks might indicate a deep mistrust of the people in your family.
That some force had created havoc in your life and nowhere you looked could you find the people you trust, or get them or any of the adults around you to understand your situation and deep concerns.
Your two interpretations are very good, as I can pull heavily from them.
I moved alot and was bounced around from parent to parent until my grandparents stepped in and some order/ structure was formed,which is around the time the dream stopped.
Chaos is a big one, and the lack of seeing it as such, I have enjoyed being a recurring character in other people's lives.
Making people laugh and always trying to help in some way or another. But in doing this, not able to see myself getting caught in others "loops" and energy, which would drain me and/or pull me away from a path I was attempting to follow.
Recently I got my own place, which has helped immensely.
As now I have my own space to recharge/grow and work from. It is slow, however the chaos is much more manageable and I can independently choose how to use time.
The complexity of dreams and what we may pull from them, from point A to B is something I haven't really played with. So I thank you for helping me get the ball moving abit on this one.