Applicant removed from Minor Injury Guideline due to chronic pain; disputed medical benefits and certificates awarded.
The applicant was involved in a rear-end motor vehicle accident and sought statutory accident benefits.
The respondent insurer denied certain medical benefits and disability certificate costs, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG) $3,500 limit.
The Tribunal found that the applicant suffered from chronic pain and psychological impairments caused by the accident, meeting the AMA Guides criteria for chronic pain, which removed her from the MIG.
The Tribunal ordered the respondent to pay for the disputed chiropractic and physiotherapy treatment plans, the costs of two disability certificates, and applicable interest, finding the treatments reasonable and necessary.
OLATOntario Licence Appeal TribunalJan 9, 2023
