Applicant's injuries fell within Minor Injury Guideline; insurer ordered to pay $168 due to late denial notice.
The applicant sought statutory accident benefits following a motor vehicle accident.
The insurer determined the injuries fell within the Minor Injury Guideline (MIG) and denied further treatment plans.
The Tribunal found the applicant's injuries were predominantly minor and subject to the MIG.
However, the insurer failed to provide a timely denial notice for a physical therapy treatment plan under s. 38(8) of the Schedule.
As a result, the insurer was ordered to pay $168.00 for expenses incurred during the 'shall pay' period under s. 38(11).
The remaining claims for chiropractic treatment and a psychological assessment were dismissed as they were validly denied and the MIG limit was exhausted.
OLATOntario Licence Appeal TribunalNov 2, 2021
