Before this spirals too out of control, please allow me to explain why I believe most unintentional shots fired fall under the category, negligent.
First of all, please spare me the comparisons to car accidents. Most car accidents require an act of negligence on either one party or the other. However, insurance companies, who are trying to keep their costs down have no interest in labelling their client as being "negligent." The term simply isn't used, until someone is hurt or killed, then you'll likely hear the word a lot from the prosecutor during the trial.
Speeding 20mph over the limit? Negligence
Driving drunk? Negligence
Weaving in and out of traffic? Negligence
Yet every single one of these will be labelled an accident if something were to happen.
To quote Stan Lee (and before him FDR, and before him, Voltaire, and before him, Jesus in Luke 12:48), "With great power comes great responsibility." Guns are very powerful, and although I would argue they are inherently, by themselves, not dangerous, they, along with an operator have the power to do great harm. As a firearm owner, we must be held to a much higher standard when we are handling our firearms. If my 3 year old daughter spills her milk at the dinner table, we could say she was being negligent (wasn't paying attention, was playing, etc), but that spill, except in extraordinarily unlikely circumstances has very little chance of hurting someone. I think we can rightly say it was "just an accident."
When a firearm goes off unintentionally, especially when that fired round has the potential to do so much damage, we cannot just right it off as "just an accident." We have 4 simple rules to follow. I would argue that if
all 4 rules are followed all the time, there would be statistically 0 unintentional discharges, not counting freak accidents (like the 1911 in the MRI suite I linked a couple times in the last week or two), or mechanical failures (such as the well know Remington Model 700 problem...that actually still exists...). So 4 basic rules to follow, to prevent catastrophe.
Almost all "accidents" occur when one or more of those rules are broken...specifically #3. Do you agree that these are simple rules to follow? Cars have more kintetic energy, and more possibility of death or serious injury, yet, there are dozens, if not hundreds of rules that must be followed in a car. Four rules is not a difficult thing to remember. With the amount of care and responsibility that it takes to handle a firearm, breaking any one of these rules is negligent.
I will admit, this is mostly a semantic battle. I don't like the word accident, when there is fault, because it allows the negligent person to claim, "Oh, it was just an accident," and brush it off like it's no big deal. I use the term negligence because it conveys how serious the situation really is, and how lucky the person is, if no one got hurt. Luckily for us, most "accidents" do not result in death or injury, except to ones ego. But the difference between accident and negligence shouldn't be whether someone was hurt or not.
Anyway, that's my feeling on this, and I will bow out before I get this thread even more off track.