Key legal question
Whether the insured’s post-2007 complaints were still naturally caused by the accidents, including alleged cavernoma bleeding.
Extracted holding
No. The cavernoma and the alleged bleedings were not shown with predominant probability to be natural consequences of the accidents, and no objectively verifiable somatic injury remained after 2008-01-01.
Extracted reasoning
The court gave full evidentiary weight to the expert opinion of the Institute Z and found no traumatic brain injury or accident-related cavernoma bleeding established with the required standard; pre-existing vascular and coagulation conditions pointed to an alternative, non-accidental cause.