Application for accident benefits dismissed; injuries fell within Minor Injury Guideline and surveillance contradicted disability claims.
The applicant sought statutory accident benefits following an e-bike collision.
The respondent denied the claims, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG) and that she did not suffer a substantial inability to perform the essential tasks of her employment.
The Tribunal found that the applicant failed to prove her injuries warranted removal from the MIG, noting a lack of compelling medical evidence for psychological impairments and relying on insurer's examinations.
The Tribunal also dismissed the claim for income replacement benefits, citing surveillance evidence showing the applicant working and riding a bike.
All claims for medical benefits, attendant care benefits, interest, and an award were dismissed.
OLATOntario Licence Appeal TribunalNov 24, 2025