Questione giuridica chiave
Whether the 2009 fall remained naturally causal for the insured's knee condition and accident benefits.
Decisione estratta
The medical evidence left sufficient doubt on causation to require an independent expert assessment.
Motivazione estratta
The opinions of the insurer's medical adviser and the treating physician diverged on whether the accident still caused the relevant knee lesions. Neither opinion could be dismissed outright, so the file was not sufficiently clear.