Question juridique clé
Whether the accident and causal link for the right-knee condition were sufficiently established to deny benefits without further inquiry.
Solution extraite
The factual record was insufficient; the insurer had to investigate the occurrence of the accident more fully and, if established, obtain a neutral medical expert opinion on causation.
Motifs extraits
The file contained conflicting medical opinions and credible indications that the alleged accident and continuing pain were not adequately investigated. The insurer failed its duty to establish the facts ex officio, and the radiological and arthroscopic findings could not be reconciled without an independent expert.