Traffic collisions are not always accidents. I was in cop school "an event that happens by chance or that is without apparent or deliberate cause."

lots of times negligence is considered not an accident. Like intentionally driving on bald tires that make you crash, not an Traffic Accident in most cases if it can be proved and it's happened to me. 3 car pile up last person that made it all happen states "hey why you all stopped I cant, i got bald tires."

normally accidents are fines negligence is jail time or loss of privileges