Kernrechtsfrage
Whether the insured's conduct amounted to participation in a brawl or fight justifying a minimum 50% reduction of cash benefits under accident insurance law.
Extrahierter Entscheid
The insured, after a heated phone dispute and clear signs of escalation, objectively accepted the risk of a physical confrontation by opening the door and engaging in hand-to-hand scuffling; the 50% reduction was justified.
Extrahierte Begründung
Participation includes conduct that objectively already carries the risk of turning into or causing violence. The insured need not himself have struck first or been at fault. On the established facts, he could foresee the danger and had available alternatives such as not opening the door or calling the police.