Applicant removed from Minor Injuries Guideline due to accident-related driving phobia; psychological treatment plans approved.
The applicant sought statutory accident benefits following a motor vehicle accident.
The respondent insurer denied funding for psychological assessments and treatment, arguing the applicant's injuries fell within the Minor Injuries Guideline (MIG).
The Tribunal found that the applicant suffered from a psychological injury, specifically a situational phobia related to driving and being a passenger, which warranted removal from the MIG.
The Tribunal preferred the evidence of the applicant's psychologist over the insurer's expert, noting the former's reliance on thorough psychometric testing.
The disputed treatment plans for psychological services were deemed reasonable and necessary.
Interest was awarded on the incurred assessment cost but not on the un-incurred treatment plan.
OLATOntario Licence Appeal TribunalFeb 11, 2022