Unplanned surprise pregnancy -how??

I would like to know how many of you ladies have gotten pregnant snd it was a complete surprise. I have been married for 13 years without using any protection and never got pregnant!

Am i missing something about the ‘accident’ part of getting pregnant. What does accident really mean? Precum, didn’t pull out on time, or pulled out and resulted in pregnancy.

I just hear stories of how ppl end up getting pregnant by surprise and I seriously wish i could experience that.