Sure there is such thing as an accident - you're driving, making a right turn after stopping at a stop sign, and you cut the turn too sharp and hit a curb. The vehicle behind you assumes you're going to accelerate at a normal speed and doesn't think you're going to hit that curb, so he doesn't slow down all the way. After hitting the curb, you can't go anymore because of a flat tire (let's just say) and you're now stopped on the side of the road, and the vehicle behind you rear ends you. That's not an "accident"? Nobody did it on purpose- call it what you want, but to me it's an MVA, haha.
But I'm looking forward to the updated script with a bunch of minor calls, that would be quite fun.