Incur vs. Occur

Incur bears a strong family resemblance to another English verb, occur. If you are confused by their similarities, a glance back at their Latin roots might help you to tell them apart.

Both words have a common root in Latin currere, meaning “to run.” In the case of incur, currere was combined with Latin in “into,” which produced the meaning “to run into.” In English, the one who incurs, or “runs into,” is most often a person and the thing incurred is usually some self-inflicted negative consequence (such as a debt or somebody’s foul temper). The ancestor of occur, by contrast, paired Latin ob “in the way” with currere, producing the basic meaning “to run in the way of,” or “to present itself.” In English, the verb came to apply strictly to events, things, or ideas; something (such as a tornado) that occurs, or “presents itself,” appears or happens; a thought that occurs, or “presents itself” to someone, comes into that person’s mind.

To summarize: a person (or something composed of people, like a company) incurs, or becomes subject to, something negative; something occurs, or happens, or an idea occurs to, or comes into the mind of, someone.