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Application for accident benefits dismissed; applicant failed to prove injuries warranted removal from Minor Injury Guideline.
The applicant was injured in a motor vehicle accident and sought medical benefits from the respondent insurer.
The insurer denied the benefits, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).
The applicant sought removal from the MIG on the basis of chronic pain.
The Licence Appeal Tribunal found that the applicant failed to provide compelling medical evidence of chronic pain or functional impairment, noting limited contemporaneous complaints and no chronic pain diagnosis.
As the MIG limits were exhausted, the disputed treatment plans were deemed not reasonable and necessary, and no interest was payable.
