Applicant removed from Minor Injury Guideline due to chronic pain; medication expenses awarded but chiropractic denied.
The applicant sought statutory accident benefits following a motor vehicle accident.
The insurer denied benefits, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).
The Tribunal found the applicant suffered from accident-related chronic pain with functional impairment, warranting removal from the MIG.
The Tribunal awarded the claimed medication expenses as reasonable and necessary for pain management and associated mental health challenges.
However, the claim for chiropractic services was denied due to insufficient evidence of reasonableness and necessity.
No interest was awarded.
OLATOntario Licence Appeal TribunalMar 12, 2025
