The applicant sought statutory accident benefits following a motor vehicle accident.
The insurer denied benefits, initially disputing that the applicant was in the insured vehicle.
The arbitrator found the applicant was a passenger but concluded his injuries were minor soft tissue strains.
Claims for extensive physiotherapy and chiropractic treatments were partially allowed, limited to what was reasonable for an uncomplicated injury.
Claims for income replacement and other disability benefits were dismissed, as the applicant was unemployed prior to the accident and his inability to carry on a normal life was attributable to a pre-existing, chronic psychosis rather than the accident.
