The word accident implies that the driver is somehow not to blame.
No it doesn't.
A road collision is called a collision not because accident implies no fault, but because accident implies it was not intentional.
A non-intentional collision is an accident, whether there is fault or not.
You sir, are incorrect. Language moves on. From Wikipedia:
Experts in the field of injury prevention avoid use of the term 'accident' to describe events that cause injury in an attempt to highlight the predictable and preventable nature of most injuries. Such incidents are viewed from the perspective of epidemiology - predictable and preventable. Preferred words are more descriptive of the event itself, rather than of its unintended nature (e.g., collision, drowning, fall, etc.)
and the Police now refer to "collisions" http://www.met.police.uk/traffic/forms.htm
This driver was either - distracted or driving too fast to react to a cyclist in his lane. There is no way that an incident such as this was 'unavoidable'
Driving a car is the equivalent of carrying a loaded gun.
No, it isn't.
As I said, I was quoting someone else and that statement is more than a little inflammatory. However, I can't think of any other object I'm allowed to use that I could so easily kill so many people with. If I had a shotgun licence and thought it might be a laugh to fire a few shots over peoples heads you can be sure I'd never be allowed to touch one again. Drive a car as someone, or even mow someone down, and you're unlucky if you're not handed your keys straight back.