During a jury trial arising from a motor vehicle accident, the defendants brought a threshold motion under s. 267.5(15) of the Insurance Act seeking a determination that the plaintiff had not sustained a permanent serious impairment of an important physical, mental or psychological function.
The court reviewed the statutory test and the regulatory criteria under the Ontario Regulations, including the requirements of substantial interference, importance of function, and permanence.
Based on extensive medical evidence diagnosing chronic pain syndrome, orthopedic injuries, and psychiatric conditions including major depressive disorder and somatic symptom disorder, the court found the impairments substantially interfered with employment and daily living.
The court accepted the evidence of multiple treating and expert physicians and rejected the defence medical expert’s opinion as unreliable.
The court concluded the plaintiff met the statutory threshold and was not barred from recovering damages for non‑pecuniary losses.