What term describes an unintended occurrence causing injury or damage?

The term that best describes an unintended occurrence causing injury or damage is "accident." An accident typically refers to an unforeseen and unplanned event that results in harm or damage, highlighting the element of unpredictability and lack of control over the situation. This definition aligns with common usage in both legal and insurance contexts, where accidents are often the basis for claims related to personal injury or property damage.

The other terms do not specifically denote the same characteristics. An "incident" can refer to a broader range of occurrences and might not necessarily imply damage or injury. "Loss" often relates to the financial impact resulting from an incident or accident but does not describe the occurrence itself. Meanwhile, "event" is a general term that can refer to any occurrence, planned or unplanned, and is too vague to capture the specific nature of an unintended occurrence causing injury or damage. Therefore, "accident" is the most precise term among the options.