Key legal question
Whether Visana lawfully ended accident insurance benefits as of 2014-11-09.
Extracted holding
Yes. The meniscus tear was probably degenerative, and any accident-related aggravation had already reached status quo sine by 2014-11-09.
Extracted reasoning
The court relied on the insurer’s medical adviser, whose MRI-based assessment was coherent and well reasoned. The opposing treating physician did not sufficiently explain why an accident origin was more likely than a degenerative cause.