Key legal question
Whether the insurer had to continue accident insurance benefits after 31 December 2005.
Extracted holding
No. The natural causal link between the 1997 bicycle accident and the remaining complaints no longer existed, so the duty to provide benefits ended.
Extracted reasoning
The cantonal court’s assessment based on the 2005 expert opinion was upheld. Earlier medical opinions did not outweigh the later, more detailed assessment; once natural causation failed, adequacy did not need to be examined.