Ha Mr Red! My husband and I have that discussion often. I say there's no such thing as a road 'accident', as someone was driving badly to cause it. He maintains that 'things aren't always someone's fault'.
I say yes, they always are. He seems to think stuff just 'happens'. We never seem to reach a conclusion. (Rather like another thread on here!)
One of us must be a Troll... Or a Flamer...