Accident benefits claim dismissed; injuries remained within the Minor Injury Guideline and non-earner benefit denied.
The applicant sought statutory accident benefits following a motor vehicle accident.
The insurer denied benefits, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).
The Tribunal found that the applicant's soft-tissue injuries were predominantly minor and that he failed to establish that pre-existing conditions or accident-related chronic pain warranted removal from the MIG.
The Tribunal also dismissed the claim for a non-earner benefit, finding the applicant had resumed substantially all of his pre-accident activities.
As the MIG limits were exhausted, the disputed treatment plans and claims for interest were also dismissed.
OLATOntario Licence Appeal TribunalMay 7, 2026
