The applicant was injured in a motor vehicle accident while working as a personal support worker.
The respondent insurer argued the applicant was precluded from claiming statutory accident benefits because she opted out of WSIB benefits solely to claim accident benefits.
The Tribunal found the applicant had a bona fide intent to pursue a tort action and was not precluded under s. 61(2) of the Schedule.
However, the Tribunal concluded the applicant's impairments fell within the Minor Injury Guideline (MIG), rejecting her claims of chronic pain, mild traumatic brain injury, and psychological impairment due to a lack of objective medical evidence.
As the $3,500 MIG limit was exhausted and the insurer's denial notices were compliant with s. 38(8), the applicant was not entitled to the disputed treatment plans or assessments.