Question juridique clé
Whether the 2005 shoulder relapse was causally linked to the 1994 accident and thus covered by accident insurance.
Solution extraite
The medical file left sufficient doubt on causation; an independent expert opinion was required before deciding the claim.
Motifs extraits
The insurer doctor and the treating doctor relied on objective medical findings but reached opposite conclusions. The earlier reports and the 1997 MRI were interpreted differently, and the long asymptomatic period did not allow a reliable resolution without independent expertise.