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VakO 27.1.1981/481:80 AI generated

Insurance court rules that pre-existing retinal detachment caused by a traffic accident is compensable under Finnish insurance law.

Case Number VakO 27.1.1981/481:80
Court / Authority
Jurisdiction Finland (FI)
Decision Date
Outcome Allowed / Granted
Open official source Machine-readable Markdown (.md)

Legislator summary

AI generated

The Finnish Insurance Court ruled that the insured's subsequent retinal detachment was a compensable consequence of a prior traffic accident. Although the insured had a pre-existing hereditary condition and underwent surgery for cataracts, the court found the accident directly caused the detachment. The court held that the pre-existing condition did not exempt the insurer from liability for the accident-induced deterioration.

Legislator headnote

AI generated

Insurance Act 1911, Section 10; Section 10 of the Insurance Act 1911 establishes that an insurer must pay for damages resulting from an insured event even if the insured had a pre-existing condition, provided the event was the direct cause of the specific damage.

Keywords

AI generated
pre-existing condition retinal detachment traffic accident insurance liability causation analysis Finnish insurance law compensable damage

Cited Legislation

AI generated
Insurance Act 1911, Section 10
AI generated
insurance_1982_7755-1981
Work injury claim dismissed as 20% of shoulder tear was pre-existing age-related degeneration.
kko-other_1996_320
Workplace injury claim dismissed as employee's own negligence caused the accident.
kko-precedent_1989_154
Supreme Court allows partial accident compensation when pre-existing eye disease significantly reduced injury severity.
kko-other_2011_2942
KKO 2942/2011
kko-other_2007_483
Supreme Court dismissed asylum claim where applicant failed to prove accidental tear of filter membrane caused by trauma.

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Full text

Työntekijä, joka poti perinnöllistä silmien lasiais-verkkokalvorappeumaa ja jolle oli tehty harmaakaihin vuoksi silmäleikkaus, oli liukastunut ja lyönyt otsansa katuun. Seuraavana päivänä hänellä oli todettu vasemman silmän verkkokalvon irtauma. VAKO epäsi korvauksen silmien lasiais-verkkokalvorappeumasta ja verkkokalvon irtaumasta. VII -jaosto KKO 7.2.1983: Vasemman silmän verkkokalvon irtauman oli katsottava aiheutuneen mainitusta tapaturmasta ja määrättiin korvattavaksi. (Lääkintöhallitus: Oksala