Kernrechtsfrage
Whether the March 21, 2001 event qualified as an accident or assimilated bodily injury under accident insurance law.
Extrahierter Entscheid
The event was recognized as an assimilated bodily injury because the insured reacted to an external event by a reflexive movement that unusually strained his body.
Extrahierte Begründung
The rescue movement was triggered by an external cause and involved greater-than-normal physical exertion; under the case law, a torn rotator cuff falls within the assimilated injuries listed in the ordinance.