Which definition best describes the term "accident"?

The term "accident" is best defined as a sudden, unplanned, and unexpected event leading to injury or damage. This definition captures the essence of what typically characterizes an accident: it is not something that is foreseen or intended, and it occurs without prior intention to cause harm. Accidents can encompass a variety of situations, such as car crashes, slips and falls, and other unforeseen incidents that result in physical harm or property damage.

A planned event that results in damage suggests intentionality and foresight, which is contrary to the nature of an accident. An intentional act that ends in loss indicates that the event was carried out with a purposeful intention, which again contradicts the concept of an accident. Lastly, an event that includes multiple prior incidents may imply a pattern or ongoing situation rather than an individual unexpected occurrence. Thus, the definition highlighting the sudden, unplanned nature of an accident is the most accurate and fitting.