An accident is an accident. Someone rear ends you by accident..her insurance pays. If you run off an icy road and hit a tree.. Same thing.. it's an accident..your insurance will pay.
If you
Forget to change the oil in your car for 60,000 miles and the engine seizes up..the insurance will not pay because it's not an accident..it's Negligence. Likewise: Forget to
"Use Reasonable Diligence", by draining the water out of the engine for the winter, and it's Negligence.
Neglecting to perform "Routine Maintenance" sometimes carries a penalty..
Sad but true. NB