Question juridique clé
Whether the insurer violated the right to be heard by not clarifying the appellant's alleged lack of capacity in the objection decision.
Solution extraite
The court left open whether a formal hearing violation occurred, because the merits had to be revisited anyway and the record was insufficient.
Motifs extraits
The objection procedure did not require a prior hearing, but the authority still had to investigate the decisive facts. The alleged incapacity was raised, yet not properly clarified.