Insurer ordered to pay chiropractic expenses after arbitrator finds treatments reasonable and necessary.
The applicant was injured in a motor vehicle accident and sought statutory accident benefits for chiropractic treatments.
The insurer refused to pay, relying on a designated assessment centre report which concluded the treatments were not reasonable and necessary.
The arbitrator found that the applicant had sustained a cervical fracture and that the chiropractic treatments provided appreciable subjective and objective improvement.
The arbitrator rejected the insurer's medical evidence, which relied on an unfounded diagnosis of depression, and ordered the insurer to pay the incurred chiropractic expenses.
OFSCDRSOntario Financial Services Commission - Dispute Resolution ServicesApr 6, 2000
