The applicant, a minor, sought statutory accident benefits for psychological impairments arising from a motor vehicle accident involving her father and brothers.
The applicant was not in the vehicle at the time of the accident.
The respondent denied the claims, arguing the applicant was not involved in an accident and was not an 'insured person' under the Schedule.
The Tribunal found that while the applicant was not involved in the accident, she qualified as an 'insured person' because she was a dependent who suffered psychological injuries as a result of the physical injuries sustained by her father in the accident.
Applying the 'but for' test for causation, the Tribunal rejected the respondent's argument that the psychological injuries were caused by intervening post-accident family dynamics, noting the respondent's own expert diagnosed the applicant with an accident-related anxiety disorder.
The Tribunal ordered the respondent to pay $2,200 for a psychological assessment but denied the claim for lost educational expenses as they were not incurred prior to the accident.