The applicant sought entitlement to statutory accident benefits for physiotherapy and psychological treatment plans following a 2019 motor vehicle accident.
The Licence Appeal Tribunal found that the applicant failed to meet his onus to prove the psychological treatment plan was reasonable and necessary, as no evidence or submissions were provided for it.
Regarding the physiotherapy plan, the Tribunal preferred the objective findings of the insurer's medical examination over the applicant's subjective complaints, concluding the treatment was not reasonable and necessary.
The Tribunal also found that while the insurer's denial was late, the applicant was not entitled to relief under s. 38(11) because no expenses were incurred during the delay period.
Claims for interest and a s. 10 award were dismissed.