If you or someone you love was hurt as a result of a car wreck, it wasn’t an accident. Someone did something wrong. They didn’t follow a law or a rule of the road. They failed to pay attention or keep a proper lookout or observe the speed limit or provide sufficient distance to stop. They didn’t follow the rules.
They made a choice. They made a decision and as a result, someone was hurt or killed.
It doesn’t necessarily mean they are a bad person; but, to call something an “accident,” when it really was a bad decision or choice, isn’t really all that accurate, is it?