Applicant removed from MIG for psychological impairment; multiple treatment plans approved due to insurer non-compliance.
The applicant sought statutory accident benefits following a motor vehicle accident.
The Tribunal found the applicant was removed from the Minor Injury Guideline (MIG) due to an accident-related psychological impairment, preferring the evidence of the applicant's psychologist over the insurer's section 44 assessors.
The applicant's claim for a non-earner benefit was dismissed as she failed to demonstrate a complete inability to carry on a normal life under the Heath test.
Several treatment plans were found payable either because they were reasonable and necessary or because the insurer failed to provide adequate medical reasons for denial as required by section 38(8) of the Schedule.
The claim for an award for unreasonable delay was dismissed.
OLATOntario Licence Appeal TribunalJan 6, 2026
