Accident is all about the repercussion and aftermath of a fatal and gruesome incident.

Pavithra (Manjari Phadnis) scribbles sweet nothings on whatever material she finds, including vegetables and shirts. Her love story with Manu Murthy (Ganesh) begins when she scribbles a sweet note on a bus going to a different city and is surprised to get a reply from someone at the other end. Manu, who is a happy-go-lucky guy, finds out that the messages that he gets and exchanges through the bus, are actually written by a girl. They exchange phone numbers in the same way, but the number gets washed off in the rain. Neither therefore knows the other's identity. Meanwhile, Pavithra's parents arrange for her marriage to a rich boy, who turns out to be Manu. They get married but they don't get along well, and decide to divorce. Do Manu and Pavithra get back together and discover their true identities?

Swapna and Balu fall in love with each other, but her father is a strict man and against their love. Problems ensue when Swapna goes missing.