The applicant was injured in a rear-end motor vehicle collision and sought statutory accident benefits.
The respondent insurer denied a chiropractic treatment plan on the basis that the applicant's injuries fell within the Minor Injury Guideline (MIG).
The Tribunal found that the applicant's documented anxiety and insomnia, for which she was prescribed medication by her family doctor, constituted a psychological impairment that removed her from the MIG.
The Tribunal further held that the $999.59 chiropractic treatment plan was reasonable and necessary, noting that the insurer's own examiner diagnosed a sprain/strain and WAD injury despite concluding no ongoing impairment existed.
The applicant was awarded the medical benefit and interest.
