Key legal question
Whether the later lumbar disc symptoms were causally attributable to the accident and thus entitled the insured to continued accident benefits.
Extracted holding
The later lumbar complaints were not shown with the required probability to result from the fall; the insurer could stop benefits.
Extracted reasoning
The accident was not sufficiently severe to trigger a disc herniation, the complaints appeared only weeks later, and the medical records consistently indicated a pre-existing calcified L5/S1 disc herniation. The treating doctor and the insurer’s physician were in agreement on that point.