Enlightened Master clearing the samskaras is like you facing a thorn prick instead of suffering a fracture!

Q: What happens when someone has a premature death like in suicide or accident?

In the case of premature death, the soul has to wait for the time it was destined to live, before it can take a new body. In the case of suicide, the suffering is much more intense than what would have been if the spirit had continued living. It is like when you have a plate of food in front of you but you don’t have hands or a body to enjoy it!

In the case of accidents, the spirit has to be without body. But there is no suffering as in the case of suicide. The spirit lives in the same consciousness it would have lived had it been alive. It just waits to get the next body. Read More

Do we have to wait for the next birth if we feel strongly about something but it is not our prarabdha?

No.

You can change your prarabdha through a simple, strong will or sankalpa.

The strength of the sankalpa can cause a rebirth in you in this birth itself. The next birth can happen now itself.

For example, people, especially householder disciples who feel they are caught up in their responsibilities ask me, ‘Swamiji, please bless me that I should be with you at least in my next birth.’ There are so many examples where they have been able to come and live in the adheenam just a few months later. It is just the strength of the will.

source: Living Enlightenment