The applicant sought statutory accident benefits following a motor vehicle accident.
The respondent insurer denied a treatment plan for chiropractic treatment on July 24, 2017.
The applicant filed an application with the Licence Appeal Tribunal on September 10, 2020.
The respondent raised a preliminary issue that the claim was statute-barred under s. 56 of the Statutory Accident Benefits Schedule.
The Tribunal found that the respondent's July 24, 2017 letter constituted a clear and unequivocal denial, triggering the two-year limitation period.
Although a subsequent letter from the respondent was confusing, it did not restart the limitation period.
The Tribunal held that the applicant was statute-barred from pursuing the claim.