Applicant removed from Minor Injury Guideline due to psychological impairment; awarded treatment, IRBs, and accountant's report.
The applicant sought statutory accident benefits following a motor vehicle accident.
The respondent denied medical and rehabilitation benefits, arguing the injuries fell within the Minor Injury Guideline (MIG).
The Tribunal found the applicant sustained a psychological impairment (Adjustment Disorder) that removed him from the MIG.
The Tribunal awarded the costs of a psychological assessment, psychological treatment, and physiotherapy.
The applicant was also awarded income replacement benefits for a limited period, the cost of an accountant's report to calculate self-employment income, and interest.
The claim for a special award under s. 10 of Regulation 664 was dismissed as the insurer's conduct was not unreasonable.
Sameen Rawal v. Economical Insurance, 2023 CanLII 62926