Question juridique clé
Whether the cantonal court violated the right to be heard by not considering a private expert report filed on the day of judgment.
Solution extraite
No violation was established; the report reached the court only after judgment and the insured had been able to respond within a reasonable time.
Motifs extraits
Under the one-exchange procedure, the court could assume waiver of further submissions after a reasonable period; no formal notice of closure was required.