Kernrechtsfrage
Whether the neck complaints were in natural causal connection with the 2004 accident and therefore compensable under accident insurance.
Extrahierter Entscheid
No natural causal connection was established; the late appearance of complaints and lack of objectively verifiable injury-related findings made the insurer’s denial lawful.
Extrahierte Begründung
The presumption for whiplash-type injuries requires neck complaints within 24 to 72 hours after the accident. Here, complaints were first mentioned only about eleven to twelve months later. The medical opinion of the SUVA doctor was coherent, based on the absence of structural accident-related findings and the long temporal gap, and no contrary medical evidence created doubt.