no Deduction for Accidental Damage. No charge or deduction from wages of an employee shall be made by the Employer for accidental damage to or breakage of any article or equipment belonging to or in the custody of the Employer, or as a penalty for unsatisfactory work. This provision shall not include cases of negligence, criminal negligence, or other situations where in the opinion of the courts or insurance carrier the damage was caused by other than “accident.” In such cases the employee shall be held responsible for their actions and for the payment of damages or the replacement of the Article.