I don’t think it’s fair to assume, at best, an accident is negligence. There are numerous things that can lead to an accident that wouldn’t be negligence, such as normal wear and tear causing problems with something such as brakes or steering (perhaps not caught during routine maintenance as they weren’t issues at the time), something falling into the road (weather related, wildlife, erosion), a glitch of some kind (two green lights, not negligence necessarily) , or visibility issues (even cautious and solid drivers can be at risk during poor conditions). These are just some examples, but in the cases nobody involved would be at fault.
I believe the comparison to a gun is woefully inaccurate and invalid. Both are machines with the capacity to cause harm, but the similarities end there.