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Colloquially, accidents are random events without intention or fault.
That’s why there’s a push to use neutral terms like “crash” that don’t imply that the “accident” was just a random accidental mistake.
And fault is often a bit of a misnomer. Many crashes are the result of bad design, but the courts would never say “this pedestrian fatality here is 40% the fault of whichever insane engineer put the library parking lot across a 4-lane road from the library but refused to put a crosswalk there or implement any sort of traffic calming because that would inconvenience drivers”.
It’s partly about it being preventable, but mostly about it being expected.
The expected outcome of drunk driving or speeding through crosswalks is hitting someone. It’s preventable by not driving drunk or not speeding.
A careful driver in the Netherlands killing a cyclist in a city center on a 20mph road is unexpected and fairly surprising - that would be a true accident. A drunk driver hitting someone on an American stroad is depressingly normal. It’s hard to call it an accident.