Applicant failed to prove psychological impairment warranting removal from the Minor Injury Guideline; benefits denied.
The applicant sought statutory accident benefits following a motor vehicle accident.
The insurer denied treatment plans for psychological and chiropractic services, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).
The applicant argued he sustained a psychological impairment warranting removal from the MIG and relied on a psychological report.
The Tribunal found the psychological report unreliable due to methodological flaws and inconsistencies with contemporaneous clinical records.
The Tribunal concluded the applicant failed to prove his injuries fell outside the MIG and dismissed the claims for the disputed treatment plans.
The Tribunal also found the insurer's denial letters complied with the notice requirements under s. 38(8) of the Schedule.
OLATOntario Licence Appeal TribunalNov 12, 2024