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There is no difference. "Accident" is the term that would be used in some insurance forms, conversations, etc. "Wreck" describes the same thing. It is a regional difference. In the Northeast and Midwest, accident is the term used, wreck is the term used often in the Southeast and Southwest United States.

The correct terminology used by safety professionals is collision or crash, since accident implies there is no cause to the incident.

This is according to the National Highway Traffic Safety Administration.

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Q: Difference between a car accident and a car wreck?
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