Why do earthqukes occur?

Answer 1

Underground faults.

Earthquakes occur all the time all over the world, both along plate edges and along faults.

Along Plate Edges

Most earthquakes occur along the edge of the oceanic and continental plates. The earth's crust (the outer layer of the planet) is made up of several pieces, called plates. The plates under the oceans are called oceanic plates and the rest are continental plates. The plates are moved around by the motion of a deeper part of the earth (the mantle) that lies underneath the crust. These plates are always bumping into each other, pulling away from each other, or past each other. The plates usually move at about the same speed that your fingernails grow. Earthquakes usually occur where two plates are running into each other or sliding past each other.