The applicant was involved in a motor vehicle accident and sought medical benefits from the respondent insurer.
The respondent argued that the applicant's injuries fell within the Minor Injury Guideline (MIG) and were subject to the $3,500 limit.
The applicant contended that pre-existing conditions and psychological impairments removed her from the MIG.
The adjudicator found that the applicant failed to provide compelling medical evidence that her pre-existing back pain would prevent maximal recovery under the MIG.
Furthermore, there was insufficient evidence of psychological impairments outside the MIG.
The application was dismissed as the injuries were predominantly minor.