Let's be simple; I like the KISS principle -- "Keep It Simple, Stupid!" Yeah, I call myself stupid about 3x/week, I have tough standards....
An 'accident' is an event of some damage, injury, or mess, that was not intended to happen. Negligence, carelessness, and the like are used to determine the fault of the accident...and yes, there almost always IS someone at fault. "I didn't mean to" doesn't make the damage go away.... Whether you meant to or not, you did it. So own up.
This is different from an event that WAS meant to happen -- those could be called "on purpose's", but I am being facetious here.
Love seeing stuff like this on the TV court shows every day....