Netta Untershats

The applicant was injured in a motor vehicle accident and sought medical and rehabilitation benefits from the respondent insurer.

The insurer denied the treatment plans on the basis that the applicant's injuries fell within the Minor Injury Guideline (MIG).

The applicant applied to the Licence Appeal Tribunal, arguing she should be excluded from the MIG due to pre-existing conditions, psychological impairment, and chronic pain.

The Tribunal found insufficient evidence of a pre-existing condition or a psychological impairment resulting from the accident.

The Tribunal concluded the applicant's injuries were predominantly minor and dismissed the application for benefits and interest.

The applicant was injured in a motor vehicle accident and sought payment for a Functional Abilities Evaluation, a chronic pain assessment, and a neurological assessment under the Statutory Accident Benefits Schedule.

The respondent denied the benefits on the basis that they were not reasonable and necessary.

The Licence Appeal Tribunal found that the applicant failed to provide sufficient medical evidence to prove on a balance of probabilities that the requested assessments were reasonable and necessary.

The application was dismissed and no interest was awarded.