Accident benefits claim dismissed; applicant failed to prove impairments warranting removal from the MIG.
The applicant was injured in a motor vehicle accident and sought statutory accident benefits, which the respondent insurer denied on the basis that the injuries fell within the Minor Injury Guideline (MIG).
The applicant applied to the Licence Appeal Tribunal, arguing that chronic pain and psychological impairments warranted removal from the MIG.
The Tribunal found that the applicant failed to prove on a balance of probabilities that she suffered from chronic pain with functional impairment or a psychological condition caused by the accident.
The Tribunal preferred the respondent's medical examination reports, which were based on physical and psychological assessments, over the applicant's evidence.
Consequently, the applicant remained subject to the MIG limit, and her claims for disputed treatment plans, interest, and an award were dismissed.
OLATOntario Licence Appeal TribunalMay 14, 2026
