The applicant sought accident benefits following a motor vehicle accident, which the respondent insurer denied on the basis that the injuries fell within the Minor Injury Guideline (MIG).
The respondent raised a preliminary issue that the applicant was statute-barred from proceeding for failing to provide requested medical records under s. 33 of the Schedule.
The Tribunal found the applicant was not barred, as s. 33 non-compliance only suspends benefits and does not bar a hearing under s. 55.
On the substantive issues, the Tribunal held the applicant failed to prove that her chronic pain, migraines, or psychological impairments were accident-related and warranted removal from the MIG.
As the MIG limits were exhausted, the disputed treatment plan for chiropractic services was not payable.
The application was dismissed.