The applicant sought statutory accident benefits following a motor vehicle accident while a passenger on a transit bus.
The respondent insurer denied the claims, asserting the injuries fell within the Minor Injury Guideline (MIG).
The applicant argued for removal from the MIG based on psychological impairments and chronic pain.
The Tribunal found the applicant's injuries were predominantly soft-tissue strains, relying on clinical notes and the insurer's examination.
The Tribunal concluded the applicant failed to provide persuasive medical evidence of a psychological injury or chronic pain syndrome that would warrant removal from the MIG.
Consequently, the disputed treatment plans exceeding the $3,500 limit were not payable, and the application was dismissed.
