Define accident! Over there (Switzerland), and the reason why i posted my post earlier in the thread, an accident nearly never exists. There is always a reason, always blame and a cause. Call it harsh, but its actually true. It’s a little along the lines of when in football someone misses and we say “bad luck”. It wasn’t bad luck! They didnt miss, they are just rubbish! Same as driving, do accidents exist? In this case the driver in question went out in summer tires, hit ice/snow and crashed! His fault, didnt drive to the conditions and wasn’t equipped for the conditions! If i go outside and slip with my flipflops on is will you say its an accident? Or call me an idiot for wearing summer “shoes” in winter?!! Sorry for being harsh OP, just the way it is!