Questione giuridica chiave
Whether the tooth damage qualified as an accident under Art. 4 ATSG due to an unusual external factor.
Decisione estratta
It was not established with the required probability that the tooth damage was caused by an unusual external factor; accident coverage was therefore denied.
Motivazione estratta
A mere assertion or suspicion that a foreign body caused the damage is insufficient. The insured's answers were not precise enough to reliably establish that she actually bit on a nut shell, and the insurer had already conducted sufficient fact-finding through a questionnaire. Further evidence was not warranted.