意外 + 发生 + 了
意外 (yìwài) means "accident," "unexpected event," or "surprise." As a noun it refers to an unforeseen occurrence, and as an adjective it means "unexpected." It is commonly used in the phrase 意外发生了 (yìwài fāshēng le) meaning "an accident happened."
路上发生了一起意外,所以我迟到了。
Lù shàng fāshēng le yī qǐ yìwài, suǒyǐ wǒ chídào le.
There was an accident on the road, so I was late.
这次见面完全是个意外,我没想到会碰到你。
Zhè cì jiànmiàn wánquán shì gè yìwài, wǒ méi xiǎngdào huì pèng dào nǐ.
This meeting was a complete accident, I didn't expect to run into you.
为了避免意外,开车一定要注意安全。
Wèile bìmiǎn yìwài, kāichē yīdìng yào zhùyì ānquán.
To avoid accidents, you must pay attention to safety when driving.