The applicant, an 18-year-old pedestrian, was struck by a bus and sustained injuries.
He applied for statutory accident benefits approximately 11 months after the accident.
The insurer denied the claim on the basis of late application without a reasonable explanation.
On a preliminary issue hearing, the arbitrator found that the applicant had a reasonable explanation for the delay, given his youth, reliance on his mother, and the time taken to identify the correct insurer.
Furthermore, the arbitrator held that the insurer failed to promptly provide the applicant with sufficient information regarding the consequences of failing to comply with the time limits, meaning the time limit to submit the application never began to run.
The applicant was permitted to proceed to arbitration.