Key legal question
Whether the 1998 accident caused the insured's neuropsychological disorders in a natural and adequate causal sense
Extracted holding
No. The evidence did not undermine the expert opinion that the disorders stemmed from the prior cerebral hemorrhage, not the accident.
Extracted reasoning
The testimonies and treating-doctor opinions were only hypothetical and did not provide concrete indications against the expert report; the court rejected reasoning based solely on post hoc appearance of symptoms.