Key legal question
Whether the 9 April 2011 train collision qualified as an accident under Art. 4 ATSG.
Extracted holding
No accident: the claimant did not directly perceive a shocking event and only learned later that a person had been hit; the required immediacy was missing.
Extracted reasoning
A fear reaction qualifies only if caused by an extraordinary, violent event directly perceived by the insured. Here the claimant was never personally endangered and experienced the shock only after outside information.