Application for accident benefits dismissed; injuries fell within the Minor Injury Guideline.
The applicant sought medical benefits and income replacement benefits following a motor vehicle accident.
The insurer denied the benefits, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).
The Tribunal found that the applicant sustained predominantly soft tissue injuries and did not suffer from chronic pain or an accident-related psychological injury.
Consequently, the applicant was subject to the MIG and not entitled to the disputed treatment plans.
The claim for income replacement benefits was also dismissed because the applicant failed to submit a disability certificate prior to the claimed period.
OLATOntario Licence Appeal TribunalApr 18, 2023
