Applicant's injuries deemed minor and subject to MIG limits due to lack of objective medical evidence.
The applicant sought statutory accident benefits following a motor vehicle accident, arguing his injuries—including chronic pain and psychological impairments—warranted removal from the Minor Injury Guideline (MIG).
The Licence Appeal Tribunal found the applicant's evidence, which relied heavily on subjective self-reporting without sufficient objective medical documentation or validity testing, failed to establish chronic pain or severe psychological injury.
The Tribunal concluded the injuries were predominantly minor and subject to the $3,500 MIG limit.
The disputed treatment plans were deemed reasonable and necessary only up to the remaining MIG limit.
The claim for a special award was dismissed as there was no evidence the insurer acted unreasonably.
OLATOntario Licence Appeal TribunalMay 23, 2023
