Key legal question
Whether the insurer could terminate accident-insurance benefits as of 31 March 2004 for lack of natural causation
Extracted holding
Yes. The court held that the persisting symptoms after 31 March 2004 were not naturally caused by the 15 January 2002 accident.
Extracted reasoning
The earlier federal remittal required broader clarification, including causation. The new neurological expert report was probative and sufficiently reasoned to support the absence of causal link.