Question juridique clé
Whether the football-match injury qualified as an accident-like bodily injury under Art. 9(2) UVV
Solution extraite
Yes. The shot was an objectively ascertainable external factor during a high-risk sport, and the injury fell within Art. 9(2)(a) UVV; coverage is owed even if a pre-existing stress fracture or overuse contributed.
Motifs extraits
Football is a sport with increased risk; the kicking motion is a sudden, forceful bodily movement and therefore a conspicuous external event. Where such an event triggers or aggravates an enumerated injury, the insurer is liable even if degenerative or pathological factors also played a role.