The applicants, Bikram and Amarjit Mann, were injured in a rear-end motor vehicle accident and claimed statutory accident benefits from their insurer, Allstate.
They sought payment for chiropractic, massage, rehabilitation, and acupuncture treatments, as well as the cost of mental health and in-home assessments.
Allstate disputed the claims, relying on insurer examinations and DAC assessments, and sought repayment of benefits paid pending the dispute.
The arbitrator found that a portion of the claimed physical treatments were reasonable and necessary, awarding specific amounts for chiropractic, massage, rehabilitation, and acupuncture sessions.
However, the claims for mental health and in-home assessments were dismissed for want of proof, as the applicants failed to establish the qualifications of the assessor or the breakdown of costs.
The claims for interest and Allstate's claim for repayment were also dismissed.
Each party was ordered to bear its own arbitration expenses.
