Application for accident benefits dismissed as injuries fell within the Minor Injury Guideline.
The applicant, a pedestrian struck by a vehicle, sought statutory accident benefits for physical and psychological injuries.
The respondent insurer denied the benefits, arguing the injuries fell within the Minor Injury Guideline (MIG).
The Licence Appeal Tribunal found that the applicant's physical injuries were uncomplicated soft-tissue sprains and strains, and that she failed to prove a psychological impairment warranting removal from the MIG, noting her quick return to work and lack of contemporaneous complaints to her family physician.
Consequently, the disputed treatment and assessment plans were deemed not reasonable and necessary, and the application was dismissed.
OLATOntario Licence Appeal TribunalMay 20, 2021
