Applicant found to have sustained a catastrophic impairment due to accident-related psychological issues.
The Applicant was injured in a rear-end motor vehicle accident in November 2010 and sought a determination that she sustained a catastrophic impairment due to psychological issues.
The Insurer denied the claim, arguing the Applicant's mental health issues were due to a pre-existing bi-polar disorder and that she was malingering.
The Arbitrator found that the Applicant suffered a marked impairment in the area of adaptation and that the accident materially contributed to her current state of mental health.
The Arbitrator preferred the evidence of the Applicant's experts and noted the Insurer's aggressive tactics in summonsing witnesses.
The Arbitrator concluded the Applicant sustained a catastrophic impairment as a result of the accident.
OFSCDRSOntario Financial Services Commission - Dispute Resolution ServicesJan 2, 2018