Key legal question
Whether the detention-related event qualified as an insured accident or Schreckereignis causing continuing psychological complaints
Extracted holding
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.
Extracted reasoning
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.