A New York Times article discusses why using the word "accident" to describe a situation where someone is injured or killed is wrong.
We have been saying the same thing for over a decade - accident makes it sound like no one's at fault, like it was an act of God. With car wrecks, 94% of them are caused by human error, such as distracted driving. The article goes on to discuss how the word accident came into the American lexicon as a catch-all phrase meant to reduce how much insurance companies and employers would have to pay out in the event someone was hurt or killed in a car wreck or a work incident.
Accidents don't just happen. We know, from handling thousands of injury and death cases, that injuries and deaths are caused because a person made an unsafe decision.