The applicant sought medical benefits for physiotherapy following a motor vehicle accident.
The respondent insurer denied the benefits on the basis that the applicant's injuries fell within the Minor Injury Guideline (MIG), which caps medical and rehabilitation benefits at $3,500.
The Tribunal found that the medical evidence, including records from the emergency room, family doctor, and insurer examination, indicated the injuries were predominantly minor soft tissue injuries.
The applicant failed to provide evidence of a pre-existing condition that would prevent maximal recovery under the MIG cap.
Consequently, the application for treatment plans and interest was dismissed.