Meditation and good deeds vs clarity of mind during death

How important is meditation practice and doing good deeds in comparison to having a clear mind during death in order to reach nibbana or be at least reborn in a good realm? For example, if one meditates daily almost his whole life and does good deeds but then dies in a car accident, overwhelmed by the fear and the shock of this event, what are the chances of a good rebirth for this person? In other words: Is the quality of rebirth determined only be the state of mind during death or is it also influenced by karma which one has accumulated during his life? It also gets maybe a little tricky, since people with near-death experiences report having a flash of all events in their life in addition to getting information about the impact their deeds had on their own and other people's minds.