FMC1 is on the run from serious bad guys. They end up in a car chase which results in a MAJOR accident. FMC1 gets injured but as she’s dying, her soul jumps from her body into that of one of the other accident victims as they themselves die. No one but her knows it? Or maybe she doesn’t even realize she has that kind of power? She wakes up in hospital “x” days later & has to figure out her new life. It could go a bunch of different ways. Either she was running from something supernatural & she purposely jumped bodies? or she could’ve done it under extreme stress for a first time and either remembers her old life and pretends to be new person? or she can have complete amnesia and not remember anything until later in the story….