The applicant, a self-employed truck driver, was injured in a motor vehicle accident in August 2002 and subsequently in two workplace accidents in 2003.
He sought statutory accident benefits from his auto insurer, including income replacement benefits, medical and rehabilitation expenses, and a special award.
The arbitrator found that the applicant was not an insured person of the auto insurer at the time of the third accident and that the insurer was not required to pay benefits for it due to the availability of workers' compensation.
The arbitrator awarded income replacement benefits for specific periods, finding the applicant suffered a substantial inability to perform his pre-accident employment tasks, but denied ongoing benefits beyond 104 weeks.
Claims for a gym membership, massage therapy, and replacement drivers were allowed, while claims for chiropractic treatment, housekeeping, and a special award were dismissed.
