Applicant's injuries deemed minor; some treatment plans payable due to insurer's defective denial notices.
The applicant sought statutory accident benefits following a motor vehicle accident.
The adjudicator found that the applicant's physical and psychological injuries were predominantly minor and did not warrant removal from the Minor Injury Guideline (MIG).
The applicant's claim for income replacement benefits was dismissed as she failed to prove a substantial inability to perform the essential tasks of her employment.
However, the adjudicator found that the respondent's denial notices for two treatment plans were non-compliant with s. 38(8) of the Schedule, rendering the respondent liable to pay the incurred expenses under s. 38(11).
Claims for accounting reports and an award for unreasonable delay were dismissed.
OLATOntario Licence Appeal TribunalApr 30, 2026