Question juridique clé
Whether the detention-related event qualified as an insured accident or Schreckereignis causing continuing psychological complaints
Solution extraite
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.
Motifs extraits
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.