Treatment plans for chiropractic services approved; insurer's request to exclude medical records denied.
The applicant was injured in a motor vehicle accident and sought payment for three treatment plans for chiropractic services, which the respondent insurer denied.
The respondent also sought to exclude the clinical notes and records of the applicant's family physician due to alleged late disclosure, which the Tribunal denied as the respondent had prior notice of them.
The Tribunal found the treatment plans reasonable and necessary, preferring the evidence of the applicant's assessors and treating physician over the respondent's insurer examinations.
The applicant was awarded the cost of the treatment plans and interest on overdue payments.
OLATOntario Licence Appeal TribunalJan 12, 2026
