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"Accidental" doesn't have any special legal meaning in this context. Tenants are only responsible for damage they cause intentionally or negligently. What is negligent really depends on the circumstances, but can be a wide definition in the context of a residential tenancy. But it can...

Nah there's no obligation on a landlord to use the landlord's insurance in a situation where a landlord can claim directly from the tenant. I would probably wouldn't use it myself if I thought I could claim from the tenant and they actually had capacity to pay. Both of which sometimes are not...