Key legal question
Whether the insured proved a natural causal link between the 29 February 2016 fall and the later neurological and cervical complaints.
Extracted holding
The causal link was not proven with the required probability; the complaints were more likely due to pre-existing degenerative cervical disease.
Extracted reasoning
The court relied on the consistent opinions of the insurer's consulting doctors, the delayed and initially largely unremarkable first medical examination, MRI findings showing degenerative rather than traumatic changes, and the absence of early documented severe neurological symptoms.