The applicant was injured in a rear-end motor vehicle accident and sought statutory accident benefits.
The respondent insurer denied certain benefits, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).
The Licence Appeal Tribunal found that the applicant's physical injuries had developed into chronic pain, removing her from the MIG.
However, the Tribunal dismissed the claim for a non-earner benefit, finding the applicant was not continuously prevented from engaging in substantially all of her pre-accident activities.
The Tribunal approved treatment plans for a chronic pain program and assessment as reasonable and necessary, but denied claims for a psychological assessment and other medical expenses due to a lack of evidence of psychological impairment and failure to submit proper treatment plans.