Key legal question
Whether the reported event on 2006-12-03 qualifies as an accident under Art. 4 ATSG
Extracted holding
If the event occurred as described, the patient's sudden fall onto the insured would constitute an accident because the external factor was unusual in the objective sense.
Extracted reasoning
The court held that an external factor can be unusual even in a caregiving setting; the mere foreseeability of a risk does not negate unusualness. A patient's sudden fall had not been an everyday occurrence for this caregiver and exceeded what is ordinarily expected in that environment.