The applicant sought medical benefits for chiropractic services and a psychological assessment following a motor vehicle accident.
The respondent insurer denied the benefits on the basis that the applicant's injuries fell within the Minor Injury Guideline (MIG) and the $3,500 limit had been exhausted.
The Tribunal found that the medical evidence, including the applicant's own treatment records and the insurer's examinations, confirmed the physical injuries were predominantly minor.
The Tribunal also found insufficient evidence of a psychological impairment that would warrant removal from the MIG.
As the MIG limit was exhausted, the treatment plans were deemed not reasonable and necessary.
