A-1.4 Extended definition of accident, Watercraft Accident Insurance, Premium

A-1.4.1 Exertion. It also counts as an accident where the insured person, through increased exertion, 1 dislocates a joint of the limbs or of the spine. Example: the insured person braces a heavy object and in doing so dislocates their elbow joint. 2 strains or tears muscles, tendons, ligaments or capsules of the limbs or of the spine. Example: the insured person slips while climbing on board the boat and in doing so strains the muscles of their shoulder. Menisci and intervertebral discs are neither muscles, tendons, ligaments nor capsules. They are therefore not covered by this provision. Increased exertion is a movement whose use of muscle goes beyond the normal actions of daily life. The individual physical circumstances of the insured person are decisive for assessing the use of muscle.