Question juridique clé
Whether the insurer had to provide benefits for the accident of 20 December 2004 despite the prior end of coverage.
Solution extraite
No accident-insurance coverage existed for the second accident because coverage had already ended and did not revive with renewed disability payments.
Motifs extraits
Taggeld payments after the first accident had fallen below half of the insured salary, so insurance had ended under Art. 3 Abs. 2 UVG and Art. 7 UVV. A later return to higher taggeld after a relapse does not automatically revive coverage for a new, independent accident.