Samuel Gnanasegaram

The applicant sought statutory accident benefits following a motor vehicle accident.

The respondent denied several treatment plans on the basis that the applicant's injuries fell within the Minor Injury Guideline (MIG).

The Tribunal found that the applicant's physical injuries were predominantly minor soft tissue injuries, relying on the assessments of medical physicians over the applicant's chiropractor.

The Tribunal also found insufficient evidence of a psychological impairment that would warrant removal from the MIG.

As the applicant's injuries were subject to the $3,500 MIG limit, which had largely been exhausted, the disputed treatment plans were not payable.

The application was dismissed.

The applicant was injured in a motor vehicle accident and sought various medical and rehabilitation benefits, which the respondent insurer denied.

The applicant applied to the Licence Appeal Tribunal for dispute resolution.

The adjudicator found that the applicant was entitled to a comprehensive chiropractic treatment plan, an attendant care assessment, a chronic pain assessment, and a psychological assessment, as they were reasonable and necessary given the applicant's ongoing pain and psychological impairments.

However, two duplicative chiropractic treatment plans were denied.

The adjudicator also awarded interest on overdue payments but denied the applicant's requests for a special award and costs, finding no evidence of unreasonable conduct by the respondent.

The applicant was injured in a motor vehicle accident and sought medical and rehabilitation benefits.

The respondent insurer denied the benefits on the basis that the applicant's injuries were predominantly minor and subject to the $3,500 limit under the Minor Injury Guideline (MIG).

The applicant argued that her physical injuries, pre-existing conditions, and psychological impairments warranted removal from the MIG.

The Tribunal found that the applicant's physical injuries were soft-tissue in nature and fell within the MIG.

The Tribunal also found insufficient evidence that any pre-existing conditions prevented maximal recovery or that the applicant suffered from a psychological impairment caused by the accident.

As the MIG limits were exhausted, the claims for treatment plans and assessments were dismissed.