Questione giuridica chiave
Whether the 7 February 2003 highway incident qualified as an accident or shock event under accident insurance law.
Decisione estratta
The incident did not amount to an accident or an extraordinary shock event.
Motivazione estratta
Overrunning a tire on the motorway without skidding, collision, or serious vehicle damage was not an unusual external factor or a violent, startling event capable of causing a typical psychic shock.