Accident benefits claim dismissed; applicant failed to establish chronic pain warranting removal from the Minor Injury Guideline.
The applicant sought statutory accident benefits following a motor vehicle accident, claiming her injuries warranted removal from the Minor Injury Guideline (MIG) due to chronic pain with functional impairment.
The respondent denied the benefits, relying on a section 44 medical report concluding the injuries were minor.
The Licence Appeal Tribunal found the applicant failed to provide sufficient medical evidence of a chronic pain diagnosis or functional impairment beyond the sequelae of a minor injury.
As the applicant remained subject to the MIG, her claims for chiropractic and physiotherapy treatment plans exceeding the $3,500 limit were dismissed.
OLATOntario Licence Appeal TribunalMar 27, 2026