what's the difference between incur and occur?

及物动词 vt.

1.招致,惹起,带来;遭受
She incurred his wrath.
她惹得他发了火。
incur a debt
陷于债务中
I incurred his dislike from that day on.
从那天起我便惹他讨厌。

不及物动词 vi.

1.发生
Earthquakes occur frequently in this area.
这一地区经常发生地震。
2.出现;存在;被发现[Q]
Do giraffes occur in Africa only?
长颈鹿是不是只在非洲才有?
3.被想起,被想到,浮现[(+to)]
It occurred to me to visit my teacher.
我想到要去看看我的老师。
It never occurred to me that he might be in trouble.
我怎么也没有想到他会遇上麻烦。
A brilliant idea occurred to