Application for accident benefits dismissed; injuries found to be predominantly minor and subject to MIG.
The applicant sought statutory accident benefits following a motor vehicle accident.
The respondent denied several treatment plans on the basis that the applicant's injuries fell within the Minor Injury Guideline (MIG).
The Tribunal found that the applicant failed to establish that his injuries, including alleged post-concussion syndrome, psychological impairments, and chronic pain, warranted removal from the MIG.
The Tribunal preferred the evidence of the respondent's insurer examinations over the applicant's self-reported symptoms and chiropractor's report.
As the applicant remained within the MIG, the disputed treatment plans were not payable and the application was dismissed.
OLATOntario Licence Appeal TribunalJan 7, 2026
