Question juridique clé
Whether the insured's accident-related loss of earning capacity justified an invalidity rate higher than 15%
Solution extraite
No. The medical expert reports were properly relied upon and supported a residual work capacity of 85%, leading to a 15% invalidity rate.
Motifs extraits
The court held that the 2007 experts had taken the concrete work situation into account, including the need to stand, sit, and take breaks. Competing opinions were insufficiently substantiated. Because the insured would work full-time absent the impairment, only loss of earning capacity mattered, not household incapacity.