Questione giuridica chiave
Whether the insured’s post-31 January 2004 complaints were objectively and adequately caused by the accident.
Decisione estratta
The alleged organic correlates were not objectively proven by imaging or other recognised methods; the adequacy test therefore had to be applied and failed.
Motivazione estratta
The expert report showed a healed pelvic fracture and no significant instability. The cited complaints could not be explained by clinical or radiomorphological findings and were therefore not organically objectified.