LAT Case Law Summaries

Thomas Gold Pettingill LLP is pleased to provide this online resource to our clients. Below is a searchable database of the publicly released decisions from the Licence Appeal Tribunal. Assembled by the accident benefits group, the decisions are reviewed, briefly summarized, and categorized for easy access.

As of March 2020, we will not include any further decisions focused solely on the Minor Injury Guideline or treatment plans, unless the case may have broader applicability.

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March 13, 2020

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J.W. v. Security National Insurance Company (18-008988)

The claimant sought entitlement to ACBs. Adjudicator Norris found that the claimant was entitled to attendant care benefits, even though the claimant had returned to an intellectually challenging vocation (litigation lawyer) which required long work days. Since the evidence indicated that the claimant suffered ongoing fatigue as a result of a traumatic brain injury and...

March 13, 2020

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A.P. v. Aviva Insurance Canada(18-007997)

The claimant sought entitlement to NEBs, medical benefits proposed in three treatment plans, and the cost of examination expense for an orthopaedic assessment. Adjudicator Grieves concluded that the claimant was not entitled to NEBs as the claimant failed to prove that he suffered a complete inability to carry on a normal life. Adjudicator Grieves found...

March 12, 2020

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G.N.K. v Aviva Insurance Canada (18-006631)

The claimant initially applied for and elected IRBs, but ultimately did not meet the criteria to receive IRBs. He sought to re-elect and receive NEBs. The insurer argued that he was not entitled to make a re-election. Adjudicator Marzinotto agreed with the insurer, and held that the claimant could only re-elect to receive NEBs if...

March 12, 2020

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Najeebdeen v. Economical Mutual Insurance (19-010850)

The claimant sought the particulars of, and production of, all surveillance the insurer had conducted. The insurer resisted the request, arguing that all surveillance was obtained after litigation privilege arose. Adjudicator Grieves held that the insurer was only required to produce surveillance obtained after litigation privilege arose if the insurer intended on using the surveillance...

March 11, 2020

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T.N. v. TD Insurance Company (19-005638)

The claimant sought entitlement to ACBs in excess of the total approved by the insurer. The insurer raised a preliminary issue that the Tribunal did not have jurisdiction to hear the matter because the claimant had not actually incurrent any attendant care expenses. Adjudicator Lester found that there was a dispute between the parties since...

March 10, 2020

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Economical Mutual Insurance Company v. A.S. (19-001820)

The insurer applied to the LAT for repayment of IRBs, and also for a determination on the claimant's entitlement to further IRBs, the application of a section 33 suspension, and whether the claimant sustained a catastrophic impairment. Adjudicator Boyce held that the insurer could not bring an application related to IRB entitlement, section 33 suspension,...

March 10, 2020

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I.Y. v. Pembridge Insurance Company (18-006724)

The claimant sought removal from the MIG, and entitlement to various medical benefits and cost of examinations. The insurer, in addition to opposing the claims, argued that the claimant failed to comply with section 33 requests, and sought costs. Adjudicator Ferguson concluded that the claimant had failed to comply with the numerous requests under section...

March 6, 2020

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S. S. v. Allstate Canada (18-002292)

The claimant sought reconsideration of the Tribunal's decision that the limitation period barred the claim for NEBs. Adjudicator Norris rejected the reconsideration, holding that there was no legal error made in the Tribunal's conclusions that the claimant did not have a bona fide intention to appeal within the two year period. He also concluded that...

March 6, 2020

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M.S. v. Aviva General Insurance Company (18-007082)

The claimant sought entitlement to four treatment plans for medical rehabilitation and cost of examinations, including chiropractic treatment, concussive therapy, and optometric services. Vice-Chair McQuaid found that the proposed treatments were not payable. In her decision, she noted that, although, she gave more weight to the evidence provided by the claimant's family physician and treating...

March 6, 2020

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R.B. v. RSA Insurance (19-002329)

The claimant sought entitlement to four treatment plans for medical rehabilitation and cost of examinations, including a catastrophic impairment assessment and medications. The insurer denied the benefits in dispute on the basis that the claimant's medical limits had been exhausted. Adjudicator Kaur concluded that that cost of examination for a catastrophic assessment are not subject...

March 5, 2020

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F.A. v. Wawanesa Mutual Insurance Company (18-008453)

The claimant sought entitlement to IRBs. The insurer argued that the claimant failed to provide relevant records requested under section 33, including pre-accident income documentation, employment file, and post-accident income records. The insurer also argued that the claimant's revocation of the right to conduct a paper IE was non-compliance with IE attendance. Adjudicator Chakravarti concluded...

March 5, 2020

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N.P. v. Wawanesa Mutual Insurance Company (18-010628)

The claimant sought removal from the MIG, and entitlement to three treatment plans for physiotherapy and chiropractic services. Upon receipt of the LAT Application, the insurer removed the claimant from the MIG, leaving only the three treatment plans in dispute. Adjudicator Norris denied the claim for two of the disputed treatment plans as the claimant...

March 5, 2020

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H.M. v. Intact Insurance Company (18-003979)

The claimant sought entitlement to a treatment plan for physiotherapy, and cost of examinations for a neurological assessment and a chronic pain assessment. Adjudicator Johal reviewed the medical records on file, which indicated numerous treating practitioners' opinion that further physiotherapy would be beneficial, and concluded that the disputed treatment for ongoing physiotherapy was reasonable and...

March 5, 2020

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A.U. v. TD Insurance Meloche Monnex (19-000276)

The claimant sought entitlement to the cost of a chronic pain assessment. The insurer argued that the claimant failed to attend an IE and was barred from disputing entitlement. The claimant argued that the denial was not sufficient under section 44, as there was no reference to medical records or having reviewed the treating practitionerÂ’s...

March 5, 2020

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R.M. v. Certas Home and Auto Insurance Company (18-007521)

The claimant sought entitlement to NEBs and medical benefits. The insurer argued that the claims were barred by the limitation period. The claimant argued that her substance abuse issues prevented her from filing an application in a timely manner, and requested an extension of time under section 7 of the LAT Act. Adjudicator Johal concluded...

March 3, 2020

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A.H. v. Aviva Insurance Canada (18-004237)

The claimant disputed her entitlement to a treatment plan for chiropractic services. Vice-Chair Farlam concluded that the disputed treatment plan was not necessary. Although the claimant consistently complained of back pain from 2015 to 2019, a review of the medical evidence did not show a direct relation to proposed treatments and subject accident as the...

March 3, 2020

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S.A. v. Aviva Insurance Canada (19-000995)

The claimant disputed entitlement to two treatment plans for treatments focused on neurological and concussive injuries. Adjudicator Norris noted that the claimant appeared to have predominantly psychological injuries as a result of the accident. He cited the insurer examination reports of Dr. Smyth (neurologist) and Dr. Belfon (physician) as holding greater weight than the claimant's...

March 3, 2020

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L.F. v. Aviva General Insurance Company (18-008308)

The claimant sought reconsideration of the Tribunal's decision that she was barred from disputing entitlement to medical benefits because she failed to attend an IE assessment. Adjudicator Norris concluded that he did not commit an error in regard to the proper medical and other reasons for the insurer's denial since the insurer's letter noted that...

March 2, 2020

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A.V. v. Certas Direct Insurance Company (18-007875)

The claimant sought entitlement to NEBs, a determination that her impairments were outside of the MIG, and the cost of psychological assessment. Adjudicator Lake found that the claimant failed to prove on a balance of probabilities that she suffered from psychological issues or chronic pain arising from the accident and, as a result, her injuries...

March 2, 2020

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S.L. v. Aviva Insurance Company (19-00278)

The claimant sought entitlement to IRBs, removal from the MIG, and entitlement to medical benefits proposed in eight treatment plans. Adjudicator Lester found that the claimant's injuries fell with the MIG and that none of the treatment plans in dispute were payable as the MIG limits had been exhausted. However, the claimant was deemed entitled...

March 2, 2020

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S.L. v. Aviva Insurance Company of Canada (19-002783)

The claimant sought entitlement to income replacement benefits and to medical benefits proposed in eight treatment plans, and the cost of $26,400 for catastrophic impairment assessments. The claimant argued that he suffered from pre-existing lower back pain which was exacerbated as a result of the accident and would prevent him from reaching maximum recovery under...

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Contact Us

150 York Street, Suite 1800
Toronto, Ontario M5H 3S5

416.507.1850

smilne@tgplawyers.com

© 2020 Thomas Gold Pettingill LLP