Accident benefits claim dismissed; applicant failed to prove injuries fell outside the Minor Injury Guideline.
The applicant sought statutory accident benefits following a motor vehicle accident, arguing her injuries fell outside the Minor Injury Guideline (MIG) due to chronic pain and psychological impairment.
The Licence Appeal Tribunal found the applicant failed to meet her onus, noting the lack of supporting medical evidence and giving little weight to a chiropractor's disability certificate.
Relying on the insurer's medical examination, the Tribunal concluded the injuries were predominantly minor.
The claims for physiotherapy treatment plans outside the MIG, interest, and an award for unreasonable delay were dismissed.
OLATOntario Licence Appeal TribunalSep 15, 2025
