Key legal question
Whether the hip lesions and resulting treatment were sufficiently proven to be causally linked to the football accident.
Extracted holding
The file did not permit a definitive finding on causation; a new expert assessment was required.
Extracted reasoning
The treating surgeon did not provide a probative opinion on the origin of the lesions, while the insurer's medical opinion was also not decisive. Given the late accident report and delayed consultation, the evidence was insufficient to decide either for or against accident causation.