Question juridique clé
Whether the football incident of 2004-10-03 was an accident under Art. 4 ATSG.
Solution extraite
No accident was proven because the decisive unusual external factor was not established with the required probability.
Motifs extraits
The insured’s initial accounts did not reliably show tripping, slipping, or striking an obstacle; later, more specific statements and witness references were treated as unconvincing and partly abusive. A routine football movement alone does not satisfy the accident definition.