Question juridique clé
Whether the insured's ongoing complaints were naturally caused by the accident under accident insurance law.
Solution extraite
The natural causal link was not established; the complaints no longer had an objectively ascertainable somatic basis and no whiplash-type injury was shown with sufficient probability.
Motifs extraits
The lower court's assessment was upheld: the accident caused a concussion, but not a whiplash or equivalent head/neck injury. The psychological and neuropsychological deficits were, at most, indirectly related to the accident and could not ground continuing accident benefits.