well maybe silly to you but can still cause an accident or incident whatever you want to call it...insurance may not be relevant but i thought they were quite key people in deciding whether something is in fact an accident or a deliberate crash??and if someone is at fault all the time like people say, then there the ones that usually piece it together
i just think things like rain on the roads or high winds blowing stuff into your path and causing you to crash could be seen as an act of god as techinically no ones at fault