Application for accident benefits dismissed; injuries fell within the Minor Injury Guideline.
The applicant sought statutory accident benefits following a motor vehicle accident, claiming entitlement to medical benefits for chiropractic and psychological treatment, as well as income replacement benefits.
The insurer denied the claims on the basis that the applicant's injuries fell within the Minor Injury Guideline (MIG) and that she was not substantially unable to perform her employment tasks.
The Licence Appeal Tribunal found that the applicant did not suffer from an accident-related psychological injury or chronic pain condition, preferring the insurer's medical examinations over the applicant's expert.
The Tribunal concluded the applicant sustained a minor injury subject to the $3,500 funding limit and dismissed the claims for additional medical benefits, income replacement benefits, and interest.
OLATOntario Licence Appeal TribunalMay 7, 2024
