Questão jurídica principal
Whether the 15 September 2006 event qualifies as an accident or assimilated bodily injury under accident insurance.
Decisão extraída
The event is not covered: the knee injury occurred during a normal descent, before the fall, and there was no external factor of sufficient significance.
Fundamentação extraída
The fall was a consequence, not the cause, of the knee distortion. A normal step down from a vehicle without unusual movement or uneven ground is part of ordinary life and does not constitute an external cause; thus the requirements of an accident-like bodily injury are not met.