Key legal question
Whether the insured still had a claim to UVG benefits despite the earlier tort settlement.
Extracted holding
No; the settlement already covered the full damage, so the same loss could not be claimed again from the accident insurer.
Extracted reasoning
The court found the tort settlement to be comprehensive, covering all damage categories corresponding to UVG benefits. Once the full loss had been compensated, renewed claims against the insurer amounted economically to double recovery.