<https://midcolumbiainsurance.com/glossary/accident>
<http://schema.org/description>
"An accident is an unintended normally unwanted event that was not directly caused by humans.  The term accident implies that nobody should be blamed but the event may have been caused by unrecognized or unaddressed risks"
<https://midcolumbiainsurance.com/why-do-i-need-rental-car-insurance-coverage>