[Differentiation of "accident" and "accident sequelae" in private accident insurance]

In legal and private accident insurance you can find a distinction between "accident" and "results of an accident". In the system of the AUB (general terms of accident insurance) the insurant's injury is a notional part of the accident, which has been criticized by some medical experts. In fact, this distinction could entail different meanings and interpretations of the term "results of an accident", especially in section 10.1 AUB. In the author's point of view, section 10.1 AUB is applicable whenever different factors due and not due to the accident combine to produce the injury or the further damage (e.g. death, disablement).