Questione giuridica chiave
Whether the right-thigh muscle strain sustained while kicking a ball in football is an accident-like bodily injury covered by accident insurance.
Decisione estratta
Yes. A football kick during play is a sudden, objectively ascertainable sporting movement with increased risk potential; the insurer remained liable for treatment costs.
Motivazione estratta
Although no unusual external factor or accident in the strict sense was present, football involves a heightened danger situation. The injury resulted from a sudden, forceful bodily movement during an elevated-risk sport, satisfying the external harmful factor required for accident-like bodily injuries under the case law.