Key legal question
Whether accident insurance benefits could be terminated from 31 July 2003 because no objectively verifiable organic deficit remained causally linked to the accident.
Extracted holding
Yes. The evidence did not establish, on the balance of probabilities, that the D6 spinous-process fracture or the remaining complaints were naturally caused by the accident after that date.
Extracted reasoning
The medical opinions relied on by the insured showed at most a possible causal connection. The court accepted that the post-accident symptoms alone could not prove causation, and it found no basis to question the lower court’s assessment that the natural and adequate causal link had ceased.