Key legal question
Whether the insured had a right to continued accident-insurance benefits after 11 April 2005
Extracted holding
No further entitlement existed because the remaining complaints were not shown to be caused by an objectively verifiable accident-related injury and, in any event, the adequate causal link was absent.
Extracted reasoning
The cervical disc herniations were deemed degenerative and pre-existing; no organic accident sequel was established. Under the relevant adequacy review, the accident was at most medium at the border to light, and the required criteria were not present in sufficient number or intensity.