Key legal question
Whether the dental injury was caused by an accident, specifically by an extraordinary external factor while chewing.
Extracted holding
The insured did not make it plausible that a stone or other extraordinary foreign body caused the tooth fracture; coverage was therefore rightly refused.
Extracted reasoning
The insured gave changing and initially vague descriptions, produced the alleged fragment only late, and the witness evidence did not establish the nature of the object with the required certainty. Other explanations, including a normal chewing injury or pre-existing dental weakness, remained plausible.