Key legal question
Whether the insured's continuing complaints after 30 September 2006 remained in adequate causal relation to the accident of 14 January 2003.
Extracted holding
No adequate causal link was established; the insurer was entitled to end benefits as of 30 September 2006.
Extracted reasoning
There were no objectively verifiable structural injuries, the accident was at most light, and the relevant adequacy criteria for HWS-trauma cases were not met.