Does the Catholic church teach that someone dying with mortal sin always goes to hell? With so many unexpected deaths, accidents, there must be a second chance to say “I’m sorry.”
At the last moment it may be possible to repent. But some people die so quickly that they may not have that moment. If a person dies as God’s enemy—which is what we are in mortal sin—then he goes to hell by his own choice. Most of us have had a lifetime to choose him.