The defendant must prove that the plaintiff voluntarily and unreasonably encountered the threat of the actual harm the defendant caused under the defense.

Assumption of the risk.

Explanation:

Assumption of the risk is when an injured person may claim insurance pay or use it as cause for winning a personal injury lawsuit against another person. This legal defense stance bar a person from claiming any "reimbursements" for the injury sustained.

Therefore, the defendant must prove that the plaintiff voluntarily and unreasonably encountered the threat of the actual harm the defendant caused under the assumption of the risk defense.

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