Licence Appeal Tribunal File Number: 24-001025/AABS
In the matter of an application pursuant to subsection 280(2) of the Insurance Act, RSO 1990, c I.8, in relation to statutory accident benefits.
Between:
Amerdep K Singh
Applicant
and
Pembridge Insurance Company
Respondent
DECISION
VICE-CHAIR: Tyler Moore
APPEARANCES:
For the Applicant: No Submissions
For the Respondent: No Submissions
HEARD: By Way of Written Submissions
OVERVIEW
1Amerdep K Singh, the applicant, was involved in an automobile accident on July 22, 2021, and sought benefits pursuant to the Statutory Accident Benefits Schedule - Effective September 1, 2010 (including amendments effective June 1, 2016) (the “Schedule”). The applicant was denied benefits by the respondent, Pembridge Insurance Company, and applied to the Licence Appeal Tribunal - Automobile Accident Benefits Service (the “Tribunal”) for resolution of the dispute.
ISSUES
2The issues in dispute are:
i. Is the applicant entitled to $2,168.16 for chiropractic services, proposed by Complete Rehab Centre in a treatment plan/OCF-18 (“plan”) submitted February 4, 2022 and denied February 21, 2022?
ii. Is the applicant entitled to $220.00 ($2,680.00 less $2,460.00 approved) for a chronic pain assessment, proposed by Complete Rehab Centre in a plan submitted July 12, 2022 and partially denied May 1, 2023?
iii. Is the applicant entitled to $2,226.62 for physical therapy, proposed by Complete Rehab Centre in a plan submitted March 11, 2024 and denied April 10, 2024?
iv. Is the respondent liable to pay an award under s. 10 of Reg. 664 because it unreasonably withheld or delayed payments to the applicant?
v. Is the applicant entitled to interest on any overdue payment of benefits?
ANALYSIS
3In the case conference report and order released on June 28, 2024, the Tribunal ordered the dispute to proceed to a written hearing. The Tribunal scheduled a written hearing for March 28, 2025. Notice of the written hearing was e-mailed to the parties on July 4, 2024, using the contact information provided.
4The applicant’s initial submissions were due on February 26, 2025.
5The respondent’s initial submissions were due on March 14, 2025.
6Neither party has filed written submissions with the Tribunal.
7On August 19, 2025, the Tribunal e-mailed the parties requesting a file status update and confirmation as to whether the matter had resolved. The Tribunal included a response deadline of August 21, 2025. As of the date of this decision, the Tribunal has not received any response.
8Since the applicant did not file a Notice of Withdrawal with the Tribunal, the parties’ file was not closed, and I will proceed with the hearing pursuant to s. 7(2) of the Statutory Powers Procedure Act. I find that the applicant had notice of the written hearing by way of e-mail on July 4, 2024.
9The applicant has the onus of demonstrating entitlement to the medical benefits and award in dispute.
10As no submissions or evidence have been filed with the Tribunal, I find that the applicant has not demonstrated entitlement to the disputed medical benefits, award, and interest. I further find that no Notice of Motion has been filed seeking to extend the written submission deadlines.
ORDER
11The applicant is not entitled to the medical benefits in dispute.
12As no benefits are owing, the applicant is not entitled to interest or an award.
13The application is dismissed.
Released: September 12, 2025
Tyler Moore
Vice-Chair