The meme "Accidents happen," in the driving of automobiles arose from a campaign of collusion between various interests in the motor vehicle, oil, and insurance companies as a strategy to clear the roads of pedestrians, equestrians, and cyclists, so that motorists could live the "dream of freedom" promised to them in automobile advertisements.
There are not nearly as many accidents in the operation of motor vehicles as there are collisions caused by negligence or malice, mislabeled as accidents in order to absolve the motorist of responsibility.
If you're driving too fast for conditions, such as so fast that you can stop for that child running out from between parked cars, you are negligent. If you're driving on a twisting mountain road, and you encounter a cyclist before you in the same lane, or perhaps a slower-moving vehicle like a school bus, and you collide, you are negligent for going too fast for conditions. If you're driving and your brakes fail, chances are better maintenance with expert inspections would have prevented this, and you are negligent. If you're driving down a street and run over a *@&%$ cyclist won't get out of your way, you're malicious and criminally sociopathic. If a bridge fails out from under you, then those charged with maintenance and inspection of the bridge are probably negligent. If a large tree suddenly falls into your path and you collide, then it is an "act of god", in other words, an accident.