The applicant was injured in a motor vehicle accident and sought statutory accident benefits.
The respondent insurer denied a treatment plan for physiotherapy and massage services, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).
The Licence Appeal Tribunal found that the applicant sustained a concussion and chronic pain, which are not minor injuries under the Schedule.
The Tribunal concluded the injuries fell outside the MIG and ordered the respondent to pay the $1,328.10 treatment plan, finding it reasonable and necessary, along with interest on overdue payments.
