The applicant sought non-earner benefits following a motor vehicle accident.
The insurer denied the benefits, arguing the applicant did not suffer a complete inability to carry on a normal life.
The Tribunal found that the applicant's pre-accident medical records documented severe pain, limitation of function, and substance abuse, contradicting her claims of pre-accident independence and well-managed symptoms.
Surveillance evidence and medical reports also indicated she was able to perform various activities post-accident.
The Tribunal concluded the applicant failed to prove she suffered a complete inability to carry on a normal life as a result of the accident and dismissed the application.
