Application for accident benefits dismissed; injuries found to be minor and subject to the MIG.
The applicant sought statutory accident benefits following a motor vehicle accident, claiming entitlement to non-earner benefits and various medical and assessment plans outside the Minor Injury Guideline (MIG).
The adjudicator found that the applicant's injuries were predominantly minor, noting a lack of persuasive evidence for accident-related psychological, neurological, or chronic pain impairments.
The adjudicator preferred the insurer's medical reports and highlighted inconsistencies in the applicant's self-reporting, including a subsequent cycling accident and surveillance showing her working.
The application was dismissed, with no entitlement to the disputed benefits, interest, or an award.
OLATOntario Licence Appeal TribunalNov 7, 2025
