Questão jurídica principal
Whether the tsunami experience constituted an accident by way of a shock event under UVG/ATSG.
Decisão extraída
The combined events of the earthquake, panic, sirens, gunfire, flight, and being pulled onto a pickup truck amounted to an extraordinary shock event placing the insured in objective mortal danger.
Fundamentação extraída
The court assessed the events as a whole and held that the insured was exposed to a sudden, extraordinary external event capable of triggering a shock reaction within the meaning of accident law.