Application for accident benefits dismissed; applicant failed to prove injuries warranted removal from the Minor Injury Guideline.
The applicant sought statutory accident benefits following a motor vehicle accident, disputing the insurer's determination that his injuries fell within the Minor Injury Guideline (MIG).
The applicant argued for removal from the MIG based on a pre-existing degenerative disc disease and chronic pain.
The Licence Appeal Tribunal found that the applicant failed to provide compelling medical evidence that his pre-existing condition prevented maximal recovery within the MIG.
Furthermore, applying the AMA Guides, the Tribunal concluded the applicant did not meet the criteria for chronic pain with functional impairment, noting he continued to work and exercise.
The application was dismissed, and the disputed treatment plan was not considered as the applicant remained subject to the MIG limit.
OLATOntario Licence Appeal TribunalApr 10, 2026