Question juridique clé
Whether accident insurance benefits had to continue beyond 2006-05-01 for the 2004 and later incidents
Solution extraite
No further entitlement existed beyond 2006-05-01 because no relevant ad hoc causation was established.
Motifs extraits
The court accepted the lower court's findings that no significant improvement was expected from further treatment and that the complaints were not organically verifiable. For the 2005 incidents, ad hoc causation was clearly absent because they were minor accidents. For the 2004 accident, the event was at most medium severity and none of the relevant adequacy criteria were met in a particularly marked or cumulative manner.