Exactly.
Collisions, crashes, etc. fits descriptions of drivers' consequences. If you go 80 around a corner and roll your car or hit someone in the oncoming lane because you're too stupid to put your phone down, there's no way it was an accident, although it was well deserved on your part. It's unfortunate when someone's stupidity kills someone else and it'd be ideal if all these idiots looking at their gadgets and thinking they have to excessively speed to make up time just drove off the road and took themselves out.
It's a general term to say accident but to me it always sounds like the person couldn't have done anything to help the situation when they most certainly could have with exception to the moron looking at their phone who drifts into your lane or something crazy like an object coming off a semi in one split second.
Pet peeve I suppose but also not correct terminology.