The applicant sought statutory accident benefits following a motor vehicle accident.
The insurer denied treatment plans for a psychological assessment and physiotherapy services, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).
The Tribunal found the applicant failed to prove his injuries warranted removal from the MIG.
However, the Tribunal held that the insurer's denial notices failed to comply with s. 38(8) of the Schedule because they did not provide adequate medical reasons or identify the specific assessments being denied.
Consequently, under s. 38(11), the insurer was prohibited from relying on the MIG to deny the specific treatment plans, and the plans were ordered payable.
The applicant's claim for an award for unreasonable delay was dismissed.