Key legal question
Whether the insured's psychiatric disorders were in adequate causal relation to the 18 September 2001 accident.
Extracted holding
The accident, assessed objectively as a middle-severity event, did not satisfy enough relevant adequacy criteria; the causal link was denied.
Extracted reasoning
Only two criteria were met—persisting pain and degree/duration of incapacity from physical injuries—but they were not sufficiently marked. The accident was not particularly impressive, treatment was not abnormally long, and no proven medical error or major healing complications existed.