The applicant sought statutory accident benefits following a motor vehicle accident.
The respondent insurer denied the benefits, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).
The Tribunal found that the applicant suffered from accident-related psychological impairments and chronic pain, warranting removal from the MIG.
The Tribunal ordered the respondent to pay for a psychological assessment and psychological treatment, finding them reasonable and necessary.
Furthermore, the Tribunal awarded a 30% penalty under section 10 of Regulation 664, concluding that the respondent unreasonably withheld payment by ignoring documented psychological impairments and failing to reconsider its position when new medical evidence became available.