Key legal question
Whether the insurer could end medical treatment and daily allowance benefits as of 28 November 2008 for lack of causal link.
Extracted holding
Yes. Natural causation persisted for the accident-triggered pain syndrome, but adequate causation for the later-dominant complaints was absent because the decisive condition was a separate psychical decompensation.
Extracted reasoning
The accident was at most of medium gravity; there were no particularly dramatic circumstances, no severe objectively verifiable physical injury, no medical error, and the physical criteria were not sufficiently intense. The symptoms after 28 November 2008 were mainly driven by an independent psychological deterioration.