Question juridique clé
Whether the insurer could end accident-insurance daily allowances as of 30 September 2004
Solution extraite
Yes. The insured had full work capacity in an adapted activity from September 2004, and the remaining psychological complaints were not adequately causally linked to the accident.
Motifs extraits
The Federal Tribunal found the COMAI expertise more convincing and consistent than the isolated contrary opinion. The somatic injuries were consolidated, objective findings did not explain the persisting symptoms, and the psychiatric evidence did not establish an accident-related incapacity after 30 September 2004.