Ryan Lochte — Outta The Pool! Knee Destroyed in Freak Injury

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Olympic gold medalist Ryan Lochte has been forced into a break from his swim training … after tearing up his knee in a bizarre accident — on dry land.

Lochte”s rep tells us … The 11-time medalist tore his MCL and sprained the ACL in his left knee … when he greeted an overly excited fan in Florida who ran and plowed into him.

The teenage girl knocked Lochte to the ground … and smacked his knee on a curb causing the severe injuries.

Team Lochte says Ryan will take an immediate break from training and competition. But we”re told his medical team expects a full recovery.

All is not lost, Team USA.