Hi, I'm Laura.
The same thing happened to me the other day. Suddenly the train came to a stop. I was bursting for a pee at the time, and try as I might I just couldn't hold on any longer. I was wearing a short mini skirt with no panties beneath at the time. I felt a small spurt escape, and before I knew it another larger one. This time I just couldn't stop and completely emptied my bladder, soaking my skirt and the seat. Eventually the train got going again and took me to my station. I had to catch a bus home from there. Everyone was looking at my soaked skirt and realised that I had pissed myself.
No panties underneath? Whenever I have a chance to look up a girl's skirt, I would rather see a sexy pair of panties whether you pee yourself or not.