Answer and Explanation:
"How it happened" is narrated in the first person by an unnamed narrator. The reader realizes from the beginning of the story that the narrator is driven by impulse. There are some points which suggested that it was a bad idea to drive that night.
1. When we read, we come to know that narrator is being arrogant and is inflated by his sense of importance. The narrator wishes to be in control. He owns a car that he has never driven before and he does not have the experience to drive the car particularly at night.
2. The second reason is that Doyle wants to explore the high class better than Perkins, who would be the working class.
3. The narrator wants to get the car home while the wheels are "whirring" and out of control. The wheels were asking to jump out of the car by Perkins. But our narrator does not jump out, but he arrives home and crashes the gate suddenly. And in the end, we came to know that he has died.