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While many accidents do involve fault, there are scenarios where an accident can occur without anyone being legally at fault (mechanical failure, natural disasters). It does excludes malicious intent though. in the specific context of commercial motor vehicle regulations in the US, the term “accident” is defined in the Electronic Code of Federal Regulations (e-CFR) under 49 CFR § 390.5
Good point, so does Accidents exclude “accidental crashes with fault”