Key legal question
Whether the 2 July 1995 event was an accident in the legal sense, in particular whether it was unintentionally caused.
Extracted holding
The insured did not prove with the required probability that the event occurred without intent; substantial indications pointed to possible self-inflicted harm.
Extracted reasoning
The accident account was inconsistent and largely uncorroborated, the technical reconstruction remained uncertain, and several circumstances—such as extensive insurance coverage and similarity to earlier events—undermined credibility.