Accidents are disastrous situations happen in an unexpected time that it happened. There is no warning and the person that experienced it had no awareness. The person that experiences this has unfortunate luck at the time.
Ex. A person slips on a banana peel that was left on the floor.
Risky behavior on the other hand, happens when a person decides to take a “risk” on what he/she will do in the given situation. It a person’s decision to take action whether the result is good or bad.
Ex. A person decided to skip class to make it to the seminar.