Jennifer Carter

The applicant sought medical benefits for chiropractic services following a motor vehicle accident.

The respondent insurer denied the claims on the basis that the applicant's injuries fell within the Minor Injury Guideline (MIG).

The adjudicator found that the applicant sustained predominantly minor soft tissue injuries and did not suffer from a chronic pain condition that would remove him from the MIG.

As the injuries were minor, the applicant was not entitled to the disputed treatment plans, and the application was dismissed.

The applicant sought statutory accident benefits following a motor vehicle accident.

The respondent denied the claims, arguing the injuries fell within the Minor Injury Guideline (MIG).

The Tribunal found that the applicant's injuries were predominantly minor in nature and that he did not have a pre-existing condition, concussion, psychological impairment, or chronic pain that would remove him from the MIG.

As the $3,500 limit for medical and rehabilitation benefits under the MIG had been exhausted, the application for a $2,461.52 physiotherapy treatment plan and interest was dismissed.