Applicant removed from Minor Injury Guideline due to psychological impairments; treatment plans and interest awarded.
The applicant sought statutory accident benefits following a motor vehicle accident.
The insurer denied treatment plans, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).
The Tribunal found that the applicant suffered from accident-related psychological impairments, including PTSD and depression, which removed her from the MIG.
The Tribunal ordered the insurer to pay for the disputed physiotherapy services and a psychological assessment, finding them reasonable and necessary.
The applicant was also awarded interest on overdue payments.
However, the Tribunal dismissed the applicant's claims for a special award under s. 10 of Regulation 664 and for costs, finding the insurer's conduct did not meet the high threshold of bad faith or unreasonableness.
OLATOntario Licence Appeal TribunalOct 15, 2025
