No such thing as" accident" ! Someone is at fault, what happened may not have been intentional, but it was not an accident as we use the word today. Someone was not obeying safety rules, not paying attention, not using proper equipment, not using common sense ect. ect.
This holds true for on the job, at home, in your car, hunting , you name it!!!!!!
There are a few things that would fall under an" ACT OF GOD "
accident
c.1374, "an occurrence, incident, event," from O.Fr. accident, from L. accidentum (nom. accidens, gen. accidentis), prp. of accidere "happen, fall out," from ad- "to" + cadere "fall" (see case (1)). Meaning grew from "something that happens, an event," to "something that happens by chance," then "mishap."