Questione giuridica chiave
Whether the insured's right to be heard was violated because she could not comment on the expert's choice and questions before the SMR examination.
Decisione estratta
No violation required setting aside the SMR report; applying later participation rights retroactively would have been disproportionate.
Motivazione estratta
The examination predated ATF 137 V 210; the insured only invoked the new case law without showing concrete adverse consequences, so the report retained probative value.