Question juridique clé
Whether the insurer had to continue accident insurance benefits after 31 December 2005.
Solution extraite
No. The natural causal link between the 1997 bicycle accident and the remaining complaints no longer existed, so the duty to provide benefits ended.
Motifs extraits
The cantonal court’s assessment based on the 2005 expert opinion was upheld. Earlier medical opinions did not outweigh the later, more detailed assessment; once natural causation failed, adequacy did not need to be examined.