Kernrechtsfrage
Whether the detention-related event qualified as an insured accident or Schreckereignis causing continuing psychological complaints
Extrahierter Entscheid
The event was at most a minor-to-medium accident at the margin of a light accident and did not meet the strict requirements for a Schreckereignis.
Extrahierte Begründung
The use of force was not unusually severe and was foreseeable after the insured refused to leave; the incident was not objectively dramatic or especially impressive.