Accident benefits claim dismissed as applicant's injuries fell within the Minor Injury Guideline limits.
The applicant sought statutory accident benefits following a motor vehicle accident.
The insurer deemed the applicant's physical injuries to be predominantly minor and subject to the $3,500 limit under the Minor Injury Guideline (MIG).
The applicant argued he sustained psychological injuries that removed him from the MIG.
The Tribunal found the applicant's self-reporting of psychological distress to be unreliable and contradictory to his family doctor's records.
The Tribunal concluded the applicant's injuries were minor, and because the MIG limits were exhausted, the disputed treatment plans and assessment costs were not reasonable and necessary.
Claims for an award, interest, and costs were dismissed.
OLATOntario Licence Appeal TribunalMay 22, 2020
