Multimodal large language models (MLLMs) have achieved remarkable progress across a range of vision-language tasks and demonstrate strong potential for traffic accident understanding. However, existing MLLMs in this domain primarily focus on coarse-grained image-level or video-level comprehension and often struggle to handle fine-grained visual details or localized scene components, limiting their applicability in complex accident scenarios. To address these limitations, we propose SafePLUG, a novel framework that empowers MLLMs with both Pixel-Level Understanding and temporal Grounding for comprehensive traffic accident analysis. SafePLUG supports both arbitrary-shaped visual prompts for region-aware question answering and pixel-level segmentation based on language instructions, while also enabling the recognition of temporally anchored events in traffic accident scenarios. To advance the development of MLLMs for traffic accident understanding, we curate a new dataset containing multimodal question-answer pairs centered on diverse accident scenarios, with detailed pixel-level annotations and temporal event boundaries. Experimental results show that SafePLUG achieves strong performance on multiple tasks, including region-based question answering, pixel-level segmentation, temporal event localization, and accident event understanding. These capabilities lay a foundation for fine-grained understanding of complex traffic scenes, with the potential to improve driving safety and enhance situational awareness in smart transportation systems.