Application for accident benefits dismissed; applicant failed to prove injuries warranted removal from the MIG.
The applicant sought statutory accident benefits following a motor vehicle accident.
The respondent denied the benefits, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).
The Tribunal found that the applicant failed to establish chronic pain with functional impairment or a psychological condition warranting removal from the MIG, noting inconsistencies in his self-reporting and preferring the insurer's psychological assessment.
The Tribunal also dismissed the claim for an income replacement benefit due to a lack of evidence regarding the applicant's employment and functional limitations.
The application was dismissed in its entirety.
OLATOntario Licence Appeal TribunalNov 21, 2025
