Accident benefits claims dismissed as applicant failed to prove pre-existing condition removed her from Minor Injury Guideline.
The applicant was injured in a rear-end motor vehicle accident and sought statutory accident benefits for physiotherapy and various assessments.
The insurer denied the claims on the basis that the applicant's injuries fell within the Minor Injury Guideline (MIG) and the policy limits had been exhausted.
The applicant argued that a pre-existing shoulder injury and psychological issues removed her from the MIG.
The arbitrator found insufficient evidence of a documented pre-existing condition that would prevent maximal recovery within the MIG limits, and concluded the psychological issues were mild and did not warrant removal from the MIG.
The claims for treatment, assessments, a special award, and interest were all dismissed.
OFSCDRSOntario Financial Services Commission - Dispute Resolution ServicesOct 31, 2016