The applicant sought payment for various psychological and chiropractic treatment plans following a motor vehicle accident.
The insurer denied the plans on the basis that the applicant's injuries fell within the Minor Injury Guideline (MIG).
The applicant argued that the insurer's denial notices were defective under s. 38(8) of the Schedule, triggering mandatory payment under s. 38(11).
The Tribunal found that the applicant failed to provide evidence to warrant removal from the MIG.
However, the Tribunal held that several of the insurer's denial notices lacked sufficient medical and other reasons, rendering them defective.
Consequently, the insurer was ordered to pay for the treatment plans associated with the defective notices, while the remaining plans were denied.