Key legal question
Whether the insured's psychiatric disorder was adequately causally linked to the bite incident for accident insurance benefits.
Extracted holding
The bite incident was not, under either the general or the objective accident-psychic-trauma criteria, adequately causally connected to the later psychiatric disorder.
Extracted reasoning
The event was not extraordinary enough to constitute a qualifying traumatic accident, and the insured's fear of infection should have been overcome once negative test results were known; the later psychiatric treatment and incapacity were too remote.