I grew up in Eastern PA and we always called 'em “accidents”.
There is a serious problem with that terminology though. Sometimes car wrecks aren’t accidents like in police chases and intentional suicide. There may be no “accident” about it.
Don’t forget about “reaping havoc”.
NYC. I never thought much about it and don’t really feel like starting now, but probably I’d say I had a fender-bender, you had an accident, and he had a wreck.