Jessica Mahabir

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

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

The applicant argued for removal from the MIG due to chronic back and neck pain and psychological impairments.

The Tribunal found insufficient objective medical evidence to support chronic pain or psychological impairment caused by the accident, noting that the psychological reports relied heavily on subjective complaints and contained copied sections.

As the applicant's injuries remained within the MIG and the limits were exhausted, the claims for treatment plans, interest, and an award were dismissed.

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

The insurer denied several treatment plans, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).

The Tribunal found that while the applicant's physical injuries were predominantly minor, he had sustained a psychological impairment (adjustment disorder with depressed mood) that removed him from the MIG.

Consequently, the Tribunal approved the treatment plans for a psychological assessment and psychological treatment, along with interest.

The claims for physical therapy were dismissed as not reasonable and necessary.