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The Retirement & Pension provisions

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• Wikipedia - accident

An accident is something going wrong unexpectedly. Physical examples include an unintended collision (including a person or object unintendedly falling), getting injured by touching something sharp, hot, electrically live, ingesting poisons, or getting injured by not properly landing when jumping. Non-physical examples include babies being born.

Technically, "accidents" do not include incidents where someone is at fault, i.e., negligent: where someone fails to take reasonable precautions in the circumstances. If the results of such negligence were foreseeable, they were certainly not "accidental" at that level, and the negligent person can be held liable for damages and personal injuries. In an "accident", there is simply nobody to blame, because the event was unforeseeable or very unlikely. For example, a pharmacist negligently mixes the wrong chemicals and mislabels them for sale; a person ingesting the chemicals according to the label instructions has been "accidentally" poisoned, but the pharmacist's mistake was not so accidental as much as it was negligent.

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