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I'm more agnostic than atheist, but I've personally have had experiences with precognition.
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LOL confimation bias
FTW .
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You're jumping to conclusions.
The first incident I cited can possibly be explained that I frequently imagine such things and sooner or later one will come true. And that I remember the ones that come true and ignore the times it doesn't. Unfortunately, I don't usually imagine such things. So I can't explain it away so easily.
The second incident can be explained away by assuming I saw one of the wheelchairs, maybe both, before I got in my car, but didn't realize it.
The third incident I can't explain. I'm not in the habit of stopping at green lights, especially when traveling at high speeds. I can't explain that.
Not withstanding any of the above, I don't believe in precognition. Nor guardian angels. But at the same time I can't explain the first and third incidents.