Question juridique clé
Whether the insurer ended benefits too early, before the medical end state and fall-closing date.
Solution extraite
The fall closure on 30 November 2005 was premature; benefits had to continue until 31 July 2006.
Motifs extraits
The insurer failed to prove with überwiegende Wahrscheinlichkeit that no further significant improvement could be expected before 1 August 2006. The later expert opinion fixed the end state only from that date.