Applicant's injuries deemed minor and subject to MIG limits; claims for disputed treatment plans dismissed.
The applicant sought statutory accident benefits following a motor vehicle accident.
The insurer denied various treatment plans, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).
The applicant argued for removal from the MIG based on chronic pain and psychological impairment.
The Tribunal found the applicant's evidence, including a report from an orthopaedic surgeon, lacked objective medical support and relied heavily on self-reporting.
Conversely, the Tribunal preferred the insurer's medical examinations, which found normal physical results and no diagnosable psychological impairment.
The Tribunal concluded the applicant sustained a minor injury subject to the MIG limit and dismissed the claims for the disputed treatment plans and interest.
OLATOntario Licence Appeal TribunalFeb 27, 2026
