Key legal question
Whether the insurer could stop daily allowances and medical treatment costs because the remaining ailments were no longer in natural causal relation to the 1993 accident.
Extracted holding
Yes. The court held that the insured’s current complaints were no longer naturally caused by the accident, so benefits could be terminated.
Extracted reasoning
The later medical reports and the CEMed expertise showed that the earlier post-traumatic and depressive symptoms had resolved and that fibromyalgia or somatoform complaints were not proven to be accident-related; the contrary psychiatric opinion was not sufficiently reasoned.