"Crash" sounds like it just happened by chance or for whatever reason. "Accident" makes it sound like something went wrong, maybe someone did something wrong, and then something happened because of that, maybe a crash, maybe something else.

I still think "accident" is more accurate, so I'll continue to use that. Thanks for explaining though!

>Someone is always at fault.

Only by a very lose definition of "fault", chosen for moralistic purposes.

Of course people saying what you say, if it happens to them, they'll suddenly swear theirs was a real accident.