(Natural disasters are not accidents)
I believe:
There is no such thing as an accident. If an “accident” is presented with sufficient background, it can always be shown, in the chain of events that somebody somewhere made a mistake that directly contributed to the “accident”. Somewhere a mistake was made, whether it is operator error in a vehicle crash or poor quality management while inspecting the construction of the brake system installed on that vehicle that failed. Someone somewhere is responsible for that accident.