The applicant sought statutory accident benefits following a motor vehicle accident.
The respondent insurer denied portions of two physiotherapy treatment plans and a psychological treatment plan, and the applicant sought resolution at the Licence Appeal Tribunal.
The Tribunal admitted late-disclosed medical records, finding no actual prejudice to the respondent, and declined to draw an adverse inference from the applicant's refusal to undergo an MRI.
The Tribunal found the physiotherapy plans reasonable and necessary, noting the applicant had been removed from the Minor Injury Guideline and the treatments were supported by medical evidence.
However, the Tribunal denied the disputed psychological services, finding insufficient evidence that the preparation and planning items were not administrative costs already captured by the hourly rate.
The applicant's request for a special award was dismissed.