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Application for accident benefits dismissed; injuries fell within the Minor Injury Guideline.
The appellant sought statutory accident benefits following a motor vehicle accident.
The insurer denied treatment plans for a psychological assessment and chiropractic services, arguing the appellant's injuries fell within the Minor Injury Guideline (MIG).
The Licence Appeal Tribunal found that the appellant sustained predominantly minor injuries and failed to prove that she suffered from chronic pain that would take her out of the MIG.
The Tribunal further held that the disputed treatment plans were not reasonable and necessary, relying on insurer examinations that found no psychological diagnosis and no need for further facilities-based treatment.
The application was dismissed.
