Numerous reasons? Name five, other than:

- improperly maintained equipment
- improperly trained driver
- failure of the driver to handle their car properly given the present situations

The only one I can think of is some type of unavoidable outside influence
- a deer runs through your windshield


Ice, rain, sharp turn, kid was screaming, none of those are acceptable reasons for me.

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Obviously the public doesn't agree with me. That's obvious from their inability to use a word other than "accident" to describe a car crash - that is almost exclusively caused by a failure to operate the vehicle in a competent manner.