Key legal question
Whether Allianz could terminate accident benefits as of 2005-02-08 for the consequences of the 2003 accident.
Extracted holding
The file did not establish with sufficient certainty that the accident-related effects had ceased by 2005-02-08; a new medical expert examination was required.
Extracted reasoning
The medical record was incomplete and inconsistent, especially regarding the right knee and diffuse pain symptoms. The court could not safely determine when the accident no longer played any role in the insured’s health, so the benefit termination could not stand.