Accident benefits claim dismissed as applicant's injuries fell within the Minor Injury Guideline.
The applicant sought statutory accident benefits following a rear-end motor vehicle collision.
The respondent denied funding for chiropractic, physiotherapy, and psychological assessment plans on the basis that the applicant's injuries fell within the Minor Injury Guideline (MIG).
The applicant argued he sustained psychological injuries and chronic pain outside the MIG.
The Licence Appeal Tribunal found insufficient evidence of a psychological injury or accident-related chronic pain, noting pre-existing conditions and relying on insurer's examinations.
The Tribunal concluded the applicant's injuries were minor, subject to the $3,500 MIG limit, and dismissed the claims for the disputed treatment plans, interest, and a section 10 award.
OLATOntario Licence Appeal TribunalJan 20, 2025
