Kernrechtsfrage
Whether the insurer's informal letter of 11 October 2002 became legally binding because the insured did not object in time.
Extrahierter Entscheid
Yes. The letter clearly denied UVG liability, the insured knew of the refusal by December 2002 at the latest, and his objection only in January 2005 was too late.
Extrahierte Begründung
A denial of benefits must generally be issued by formal decision, but an informal refusal also becomes final if the insured does not intervene within a reasonable time; the Court accepted roughly one year as the outer limit. The later conduct did not affect the finality of the original informal decision.