The insured was injured in a motor vehicle accident and applied for a catastrophic impairment designation, which was denied by the insurer based on a CAT DAC assessment.
After the two-year limitation period expired, the insured submitted a new application based on an alleged change in condition.
The arbitrator found the limitation period applied but held that a change in condition could permit a reapplication.
On appeal, the Director's Delegate confirmed the arbitrator's finding that there was no factual change in condition, dismissing the insured's appeal.
However, on the insurer's appeal, the Delegate held that the arbitrator erred in law by finding an exception for changed conditions, ruling that under subsection 40(4) of the Schedule, a CAT DAC determination is binding and cannot be circumvented by a reapplication on the same criteria once the limitation period has expired.