The applicant was injured in a motor vehicle accident and sought payment for a physiotherapy treatment plan and an in-home assessment.
The insurer denied the claims, arguing the applicant's ongoing symptoms were related to pre-existing health conditions rather than the accident.
The arbitrator found that while some symptoms were pre-existing, the accident was a significant contributing factor to the applicant's shoulder and neck pain.
The arbitrator ordered the insurer to pay for the portion of the physiotherapy plan related to the neck and shoulders, as well as the cost of the in-home assessment.
