The applicant sought statutory accident benefits following a rear-end motor vehicle collision.
The insurer denied various benefits, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).
The Licence Appeal Tribunal found that the applicant's physical injuries were minor and had resolved, as evidenced by normal imaging and his return to work.
The Tribunal rejected the applicant's claim of chronic pain syndrome, finding he did not meet the AMA Guides criteria.
Claims for Income Replacement Benefits, attendant care, and various treatment plans were dismissed because the applicant failed to prove impairments beyond the MIG or an inability to work.
The Tribunal also dismissed claims for an award under O. Reg. 664, noting that technical deficiencies in the insurer's notices do not automatically entitle an applicant to benefits.