Key legal question
Whether the insured's ongoing lumbar complaints remained in a natural and adequate causal relationship with the accident.
Extracted holding
No. The medical file showed only a minor back contusion, pre-existing degenerative lumbar changes, and no objective trauma-related organic lesion; the accident’s causal significance had ceased by the status quo sine.
Extracted reasoning
The court accepted the lower court’s reliance on the medical reports and the post-accident findings. In the absence of objective pathological findings attributable to the trauma, and given the known degenerative precondition, the experience rule that a simple contusion heals without sequelae within weeks or months could be applied.