Question juridique clé
Whether the insurer had to cover the insured's psychiatric condition as an accident consequence
Solution extraite
The psychiatric disorder was not adequately causally linked to the accident, so the insurer had no duty to cover it.
Motifs extraits
The accident was classified as a medium-severity event not at the upper limit. The objective criteria for adequate causation of psychic sequelae were not met; particularly dramatic circumstances, severe injuries, and the relevant duration/intensity criteria were absent when psychiatric aspects were excluded.