The applicant sought statutory accident benefits following a motor vehicle accident.
The respondent insurer denied the claims on the basis that the applicant's injuries fell within the Minor Injury Guideline (MIG) and the $3,500 limit had been exhausted.
The applicant argued her psychological injuries, chronic pain, and radiculopathy removed her from the MIG, and challenged the validity of the insurer's denial letters.
The Tribunal found the denial letters were valid and timely.
Weighing the medical evidence, the Tribunal preferred the respondent's psychological assessments, noting the applicant's experts failed to account for a subsequent motor vehicle accident and relied heavily on subjective reporting.
The Tribunal concluded the applicant failed to prove her injuries were not predominantly minor.
As the MIG limits were exhausted, the claims for further medical benefits were dismissed.
