If people were to follow these NRA safety rules they would eliminate "accidents":
No !
Always keep your finger off the trigger until ready to shoot
Always keep the gun unloaded until ready to use
But handguns in particular need to almost always be ready to use. An unloaded gun used to make a decent bludgeon, but the newer ones are so light, that is not as true as it once was. ( I still have a polymer framed pistol, but it's loaded, as are the all steel 1911, and magazines for the so called "assault weapons".).