It goes without saying there's a "reason" for everything. Otherwise we wouldn't have a cognizable universe and we wouldn't exist. But that we find ourselves here in this moment is an accident of biology, history, circumstance, timing, and opportunity. The vast majority of things that brings you to this very moment were completely outside your control.
Discussion
Yes, I can agree with that. But was it an accident, or did the first orderly cause bring about our existence the moment it was set into motion?
But at this point I think we're wasting time wringing our hands around the category of things that count as "accidents" into a reductionist vortex. You can really do this with anything if you try. The point is, that most of what you think of as your self-directed subjective experience, is a product of things completely beyond your control.
Whether we live in a deterministic or stochastic universe is really completely orthogonal to that point.
So by accident, you simply mean beyond our own individual control?