Accident benefits claim dismissed; applicant failed to prove injuries warranted removal from Minor Injury Guideline.
The applicant was injured in a rear-end motor vehicle accident and sought accident benefits.
The respondent determined the injuries were minor and subject to the $3,500 Minor Injury Guideline (MIG) limit.
The applicant applied to the Licence Appeal Tribunal, arguing his pre-existing chronic back pain was aggravated by the accident and he developed chronic pain syndrome, warranting removal from the MIG.
The Tribunal found the applicant did not provide compelling medical evidence that his pre-existing condition impeded his recovery within the MIG, nor did he establish he suffered from chronic pain with functional impairment as a result of the accident.
The Tribunal concluded the injuries were predominantly minor, dismissing the claims for a $2,400 physiotherapy treatment plan and interest.
OLATOntario Licence Appeal TribunalJun 15, 2026