Key legal question
Whether the insured's ongoing complaints remained in natural and adequate causal connection with the 26 July 1998 accident after 1 January 2004.
Extracted holding
The ongoing complaints were still causally linked to the accident, and the required adequacy criteria were met.
Extracted reasoning
The MEDAS expert opinion was relied on for natural causation. Under the updated whiplash jurisprudence, three adequacy criteria were met in a sufficiently marked way: prolonged specific treatment, significant complaints, and serious efforts to overcome substantial incapacity to work.