Accident
/ˈæk.sə.dənt/
noun
An unexpected event with negative consequences occurring without the intention of the one suffering the consequences.
“to die by an accident”
Especially, a collision or similar unintended event that causes damage or death.
“My insurance went up after the second accident in three months.”
Any chance event.
Synonyms: fortune, luck, casus, befalling, casualty, chance, contingency, mishap