Any undesirable or unexpected event resulting in harm and damage can be termed as an accident. An accident generally occurs as a result of carelessness, ignorance, or a combination of causes, leading to an unfortunate result like injury. Under the U.S. law, the term accident is a broad term, covering various incidents, including but not limited to a hit-and-run accident; accidents caused by uninsured or underinsured drivers; accidents involving a bus, truck, etc; premises accidents (trip and fall) caused by defective conditions, improper maintenance, repair or cleaning, overcrowding, insufficient supervision, or improper security; or construction-site accidents, etc.
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