The applicant, who was five years old at the time, was injured when a car crashed into her daycare in 2009.
Seven years later, she sought payment for chiropractic, massage, and psychological treatments, as well as a cognitive assessment, attributing her back pain and psychological symptoms to the accident.
The respondent insurer denied the benefits, arguing she had reached maximum medical recovery.
The Licence Appeal Tribunal dismissed the application, finding that the physical injuries had resolved shortly after the accident and current back pain was due to poor posture.
The Tribunal also found the proposed psychological treatment and cognitive assessment were not reasonable and necessary given the mildness of the symptoms and the applicant's reluctance to participate.
