Key legal question
Whether ongoing complaints after 31 July 2009 remained causally linked to the 23 June 2004 accident and justified continued UVG benefits.
Extracted holding
The accident-related effects had ended at the latest after five years; the insurer could discontinue benefits.
Extracted reasoning
The expert report had full probative value. No organic accident-related lesion or psychiatric/neuropsychological disorder was objectively established; progressive pre-existing degenerative cervical changes explained the remaining symptoms, and any accident-related aggravation had reached the status quo sine by the relevant time.