“Accident, mistake or misfortune” means something beyond the claimant’s control and not due to the claimant’s own neglect, or something which a reasonably prudent person would not be expected to guard against or provide for.

Source. #7154, EMERGENCY, eff 12-13-99, EXPIRED: 6-10-00 New. #7365, eff 9-19-00; ss by #7910, eff 6-25-03, ss by #9946, eff 6-23-11; ss by #12923, eff 11-26-19