Difference between disaster, event, accident

[priya]

Test No. incompl/elem-27 "Sailing", question 2

Oh, it was a complete .........!

(a) accident
(b) happening
(c) disaster
(d) event

Test No. incompl/elem-27 "Sailing", answer 2

Oh, it was a complete disaster!

Correct answer: (c) disaster

Your answer was: incorrect
Oh, it was a complete accident!
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what is the different between these words disaster,event, accident and happening

[Alan]

Disaster something terrible that causes great loss of life and damage as in the recent tsunami
Accident when something gets broken by chance or someone is hurt by chance as in traffic accident
Event describes something significant happens like the Olympic Games
Happening literally when something happens.
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