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The counterpart of unavoidable accident is "negligent. Insurance companies are quick to deem an accident as "unavoidable.Unavoidable Accident, means that an accident occurred despite sufficient and comprehensive facility systems designed and implemented to… At trial, over objection the trial court instructed the jury, giving the unavoidable accident instruction above. Define unavoidable accident. The inevitable or unavoidable accident is a legal doctrine that states that an accident was no one's fault. The common excuse of people who cause accidents involves the "sudden emergency" defense doctrine. Learn about this defense and how to combat it. Just looking at explicit debts, the figures are staggering. Insurance companies tend to categorize debris-related accidents as either unavoidable or avoidable, so let's start this deep dive there.