Dr. I. Manhas

The applicant was injured in a motor vehicle accident and sought payment for three treatment plans for chiropractic services, which the respondent insurer denied.

The respondent also sought to exclude the clinical notes and records of the applicant's family physician due to alleged late disclosure, which the Tribunal denied as the respondent had prior notice of them.

The Tribunal found the treatment plans reasonable and necessary, preferring the evidence of the applicant's assessors and treating physician over the respondent's insurer examinations.

The applicant was awarded the cost of the treatment plans and interest on overdue payments.

The applicant was injured in a motor vehicle accident and sought funding for chiropractic and massage therapy treatment plans outside the Minor Injury Guideline due to pre-existing conditions.

The respondent denied the plans as not reasonable and necessary.

The Licence Appeal Tribunal found that while the applicant was not bound by the MIG limits, they failed to provide contemporaneous medical evidence supporting the necessity of the treatments.

Relying on the respondent's insurer's examination, which found no ongoing impairment, the Tribunal dismissed the application and denied the applicant's request for costs.