I'm going to take the other side on this issue. Every child born in the USA since George Washington's day understands that you will not be held accountable for something bad that happened during one of your activities if you can convince your parent(s) that it was just an "accident" and, therefore, you were not at fault. That is the common, ingrained, working definition of the word accident. I still see it come up on the section of our incident report form where you are asked for corrective actions -- "NA, it was just an accident". Most of our employees have learned the proper definition of the word accident only as a result of constant reinforcement and training. Nobody here gets away with implying that an accident was unavoidable on an injury report (or an incident without injury report) -- this will result in immediate feedback from the "safety guy". Before we became aggressive about this educational process an accident was unavoidable in the eyes of the average employee. We have not called our reports "accident reports" for decades, if ever, and I sincerely believe we should stop calling traffic crashes accidents. It's not about semantics, it's about raising awareness.
Al