Amanda Magda

The applicant sought statutory accident benefits following a motor vehicle accident.

The insurer denied treatment plans for a psychological assessment and psychological therapy, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).

The Licence Appeal Tribunal found that while the physical injuries were minor, the uncontradicted psychological assessment evidence demonstrated the applicant suffered from an adjustment disorder with mixed anxiety and depressed mood, warranting removal from the MIG.

The Tribunal ordered the insurer to pay for the disputed treatment plans with interest, but declined to order a special award, finding the insurer's conduct was not egregious.

The applicant sought statutory accident benefits following a motor vehicle accident.

The respondent denied a treatment plan for chiropractic services on the basis that the applicant's injuries fell within the Minor Injury Guideline (MIG).

The Tribunal found that the applicant failed to establish that his injuries warranted removal from the MIG, noting a lack of evidence of chronic pain or functional impairment.

As the MIG limits were exhausted, the treatment plan was not reasonable and necessary, and no interest was payable.