Key legal question
Whether the post-August 2003 complaints remained causally linked to the insured accident of 21 March 2003.
Extracted holding
The required natural causal link was no longer established for the later complaints, including the cervical disc herniation and sensory disturbances.
Extracted reasoning
The accident was not severe enough to injure a healthy disc; there was no indication of axial spinal loading; symptoms appeared only about three months later; thus the disc herniation was not attributable to the accident with the necessary probability.