Devika Maharaj

The applicant was injured in a motor vehicle accident and sought a medical benefit of $1,071.41 for chiropractic services, which the respondent insurer denied.

The insurer argued the applicant had reached maximal medical recovery and should rely on a home-based exercise program.

The Tribunal found the treatment plan reasonable and necessary, noting the applicant's consistent reports of pain and the plan's modest scope aimed at pain reduction.

The applicant was awarded the medical benefit along with interest on the overdue payment.

The applicant sought non-earner benefits following a motor vehicle accident.

The respondent denied the benefits based on insurer's examinations which concluded the applicant did not suffer a complete inability to carry on a normal life.

The Tribunal preferred the detailed reports of the respondent's assessors over the brief letter from the applicant's family physician.

The Tribunal found the applicant was able to continue his pre-accident activities and dismissed the claim for non-earner benefits, interest, and costs.

The applicant sought statutory accident benefits following a motor vehicle accident.

The respondent denied the claims on the basis that the applicant's injuries were predominantly minor and the $3,500 funding limit under the Minor Injury Guideline (MIG) had been exhausted.

The Tribunal found that the applicant failed to prove his physical or psychological injuries fell outside the MIG, and that his chronic pain symptoms were clinically associated sequelae to his minor injuries.

The application was dismissed.