Questão jurídica principal
Whether the cantonal court could hear the dispute despite the insurer having issued no formal decision or opposition decision.
Decisão extraída
Yes. In the specific circumstances, the cantonal court could treat the insurer's written denials as sufficient to avoid returning the case for a formal decision.
Fundamentação extraída
The insurer had already clearly stated its position in detailed letters and pleadings, the dispute was fully defined, a remittal would serve no useful purpose, and procedural economy and the parties' right to a prompt determination outweighed insisting on a formalistic remittal.