Hey Lana, Your question brings up two different areas of thought for me: 1. Human curiousity as it relates to knowledge and learning, and 2. Human interest in death or the morbid.
I think that overall human curiousity is an evolutionary advantage - the ability of our brains to seek and retain information and then modify our behavior has allowed us to be more successful at living and reproducing as a species.
Specifically, the rubbernecking example (not sure if rubbernecking is an international term, so if you're looking for a definition, here's one: http://en.wikipedia.org/wiki/Rubbernecking) that you give may have more to do with our interest in death and dying. Although I can't stand gory horror films myself (you can find me only peeking through my fingers), there are TONS of horror flicks out there, proving that people will pay to watch blood, guts and gore.
Death is an inevitable consequence of life, and yet there is so much that we don't know about it that fascinates the mind. New Scientist has a whole entire topic guide of content devoted to the subject here: http://www.newscientist.com/topic/death
We also had a special issue tackling big questions, among them, what happens when you die. http://www.newscientist.com/article/mg19225780.075-the-big-questions-what-happens-after-you-die.html