Kernrechtsfrage
Whether the cantonal court violated the right to be heard by not involving the insured in the expert inquiry of 12 January 2006.
Extrahierter Entscheid
Any possible violation was not serious and was cured because the insured saw the expert's reply and could comment before the Federal Court.
Extrahierte Begründung
The additional inquiry followed the insured's own evidentiary request; the Federal Court had full review power, so any defect was remedied.