The applicant was injured in a motor vehicle accident and applied for statutory accident benefits.
The insurer denied benefits and argued that the applicant was precluded from proceeding to mediation and arbitration because she filed her application late, failed to provide requested medical information, and failed to attend medical examinations and assessments.
The arbitrator found that the applicant had a reasonable excuse for the late application, as her doctor failed to complete it promptly.
The arbitrator also found that the applicant had provided the necessary authorizations for medical records and was not responsible for third-party delays in producing them.
Furthermore, the applicant did not fail to make herself reasonably available for examinations, as the insurer failed to provide reasonable notice.
The insurer's preliminary objections were dismissed, and the applicant was permitted to proceed to arbitration.