Key legal question
Whether the insured established a causal link between the accident/surgeries and her later neurological, pain, and psychical complaints.
Extracted holding
No sufficiently probable natural causal link was proven for the disabling complaints.
Extracted reasoning
The court relied on consistent expert opinions finding no objective neurological lesion and no probable connection between the accident, later surgeries, and the claimed incapacity; the contrary arguments were unsupported by contrary medical evidence.