Andrew C. McKague

The applicant was involved in a motor vehicle accident in July 2007 but did not apply for statutory accident benefits until November 2008.

The insurer denied the claim for failing to comply with the time limits under section 32 of the Statutory Accident Benefits Schedule.

The arbitrator found that the applicant failed to provide a credible or reasonable explanation for the 16.5-month delay, noting numerous contradictions in his medical history and his initial report to the insurer that he suffered no injuries.

The application for accident benefits was dismissed.