We don't define vehicle insurance events as accidents but rather incidents.
'Accident' is an ambiguous term that can include at-fault, not-at-fault, reported and unreported collisions that you, as the driver, were involved in. It is a sudden fortuitous event. Often used to refer to a collision or insurance event. With road rage and other occurences that are creating granular definitions, some states are trying to add more legal language to the definition in order to make sure an accident is covered by an insurance carrier. It should be covered by an insurance carrier. Some states simply say it is an occurrence that is unexpected and unintended from the standpoint of the person who is injured.
You can break down an incident into these categories:
"Violations" - Police involved occurrences where you were cited by law enforcement.
"At Fault Accident" - Collision where you were negligent.
"Not at Fault" - Collision where the other party was negligent.
"Comprehensive Claim" - Reported and unreported collisions where you were involved.
Not at fault occurrences in which your parked vehicle was damaged in a collision also are considered accidents. You can find this and other definitions in the Car Insurance Larning Center at CarInsurance.com.
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