Applicant removed from Minor Injury Guideline due to chronic pain; physiotherapy treatment plan approved.
The applicant sought statutory accident benefits following a motor vehicle accident.
The insurer denied certain benefits, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).
The Tribunal found that while the applicant did not establish a psychological impairment, she did prove on a balance of probabilities that she suffered from chronic pain as a result of the accident, which removed her from the MIG.
Consequently, the Tribunal approved a disputed physiotherapy treatment plan as reasonable and necessary, but denied a psychological assessment.
Interest was awarded on overdue payments.
OLATOntario Licence Appeal TribunalMay 9, 2019
