Key legal question
Whether the insurer is liable for the late-reported wrist complaints as consequences of the 2003 accident
Extracted holding
The claimant did not prove a natural causal connection with the required probability; the insurer owed no benefits for the wrist complaints.
Extracted reasoning
For relapse or late effects, the insured must establish causal nexus by preponderant probability; the gap in time was significant, and the expert opinion of Dr. med. A.________ clearly excluded accident causation, while the other medical reports did not prove more than a mere possibility.