Application for accident benefits dismissed due to uninsured vehicle exclusion and surveillance contradicting claimed impairments.
The applicant sought statutory accident benefits following an accident involving an all-terrain vehicle.
The insurer denied benefits, including income replacement benefits, attendant care benefits, and a determination of catastrophic impairment.
The Tribunal found the applicant was excluded from receiving income replacement benefits because he was operating an uninsured vehicle without a valid license.
The Tribunal also dismissed the claims for catastrophic impairment and other benefits, finding the applicant's self-reporting to medical assessors was unreliable and contradicted by video surveillance showing a higher level of functioning than reported.
OLATOntario Licence Appeal TribunalJan 22, 2024