Key legal question
Whether the insurer had to cover the alleged relapse as causally related to the 2000 accident
Extracted holding
A partial causal link between the accident and the cervical disorder was established; the insurer’s refusal to pay benefits was incorrect.
Extracted reasoning
The court found the expert’s continuity hypothesis and the traumatic significance of the accident convincing, especially given the initial treatment, later consultations, and the nature of the cervical injury.