I. Cauiro-Azzam

The applicant sought statutory accident benefits following a rear-end motor vehicle collision.

The respondent insurer denied multiple treatment plans for chiropractic care, assistive devices including a tablet and mattress, and various medical assessments.

The Licence Appeal Tribunal dismissed the application, finding that the applicant's ongoing complaints were attributable to pre-existing degenerative changes rather than the accident.

The Tribunal preferred the evidence of the respondent's assessors, concluding that the proposed goods and services were not reasonable and necessary.