Key legal question
Whether the insurer remained liable for post-acute neuropsychological and cognitive complaints as accident consequences
Extracted holding
The insurer was not liable; the natural causal link between the accident and the later complaints was not proven on the balance of probabilities.
Extracted reasoning
The insurer had never expressly acknowledged these complaints as accident-related. The later reports, including the interdisciplinary expert opinion, did not establish a natural causal connection; during the clarification phase the continued payments did not amount to recognition of liability.