And there is no difference between the terms for deliberate or accidental murdering?
In our legal system "murder" requires an intention to do so. There is no "accidental" murder.
You can have death occur from your negligence, and if your negligence is high enough, it can rise to the level of manslaughter. If you drink and drive, a reasonable person should know you have a great risk of causing injury. If you kill someone in a drunk driving accident, you will probably be charged with vehicular manslaughter. But you won't be charged with first-degree murder.
But again, this is a criminal charge. Your insurance will settle with the family of the person you killed.
And if it was completely accidental (a child ran into the street from between two parked cars in front of a car being driven in a careful manner), it may be a tragedy, but there won't be any compensation paid to the child's family because there was no fault on the part of the driver. No criminal charges. No civil suits.