The current state of research reveals a lack of comprehensive exploration of the impact of sporadic traffic accidents on the driving and charging experience of electric vehicle users. Thus a path planning and charging navigation strategy is proposed to mitigate the adverse effects of traffic accidents on users. First, guided by the two key metrics of energy consumption and travel time, which are of paramount importance to electric vehicle users, this paper establishes a comprehensive road impedance model for the transportation network based on real-time traffic information, thereby achieving a dynamic representation of traffic congestion levels. Then, considering the interplay between traffic flow and road topology, this paper formulates a consequence assessment model based on the dynamic process of traffic accidents. This encompasses the phases of “occurrence-sustenance-dispersion” for precise quantification of traffic accident consequences. Lastly, an optimization model for path planning and charging navigation, targeting the enhancement of the EV user experience, is established. To expedite the solution, a rolling optimization algorithm based on the Dijkstra algorithm is proposed. Case studies are carried out on a coupled system of power distribution and traffic networks. Results demonstrate that the proposed method can effectively reduce the overall costs of electric vehicle users and alleviate traffic congestion.