It wasn’t an accident when one was speeding on icy roads and slid into oncoming traffic, or off the road into someone’s house. It was a choice they made to drive too fast for conditions.
It was no accident when one driver rearended another because they were looking down at their phone screen. They made a choice to look at their phone instead of assessing traffic conditions 5-10 seconds ahead.
It was no accident when the brakes failed on a truck or bus, and the vehicle crashed through a busy intersection. The truck or bus owner chose to defer vehicle maintenance due to cost, or out of concern for not being able to fulfil business obligations, or whatever.
The above are all examples of incidents, but not necessarily classifiable as accidents.