Application for accident benefits dismissed as applicant failed to prove expenses were incurred or reasonable and necessary.
The applicant, a minor injured in a motor vehicle accident, sought payment for two treatment plans for physical medical and oculo-visual services.
The respondent insurer initially provided non-compliant notices of denial under s. 38(8) of the Statutory Accident Benefits Schedule but later provided compliant notices following insurer's examinations.
The Tribunal found that while the initial non-compliance triggered the 'shall pay' provision of s. 38(11)2, the applicant had not incurred any expenses during the relevant period, relying on the Divisional Court's decision in Catic.
The applicant also failed to provide evidence that the treatment plans were reasonable and necessary.
The application for benefits, interest, and a special award was dismissed.
OLATOntario Licence Appeal TribunalSep 26, 2025