Accident benefits denied due to applicant's lack of credibility and surveillance evidence contradicting disability claims.
The applicant was injured in a motor vehicle accident and sought statutory accident benefits, including income replacement benefits, medical benefits, and visiting expenses for his parents.
The insurer terminated benefits, arguing the applicant was not substantially disabled.
The arbitrator found the applicant lacked credibility, noting numerous inconsistencies in his medical history, functional abilities, and income reporting, which were further undermined by surveillance evidence showing him working and moving without apparent difficulty.
The arbitrator concluded the applicant did not suffer significant physical or psychological injuries as a result of the accident and dismissed all claims.
OFSCDRSOntario Financial Services Commission - Dispute Resolution ServicesNov 21, 2002
