Accident/Incident
I have taken this from the NTSB web site which should help settle any disputes.
"An accident is defined as "an occurrence associated with the operation of an aircraft which takes place between the time any person boards the aircraft with the intention of flight and all such persons have disembarked, and in which any person suffers death or serious injury, or in which the aircraft receives substantial damage". The Safety Board also investigates some incidents, including them in the database in the same form as accidents. Typically, incidents do not involve the level of injury or damage characteristic of an accident. An incident is defined as "an occurrence other than an accident, associated with the operation of an aircraft, which affects or could affect the safety of operations."
MB