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.

February 26, 2018

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N.H. v. Aviva Insurance Company (17-001088)

The claimant sought entitlement to medical benefits. The insurer, after receipt of the application to the LAT, arranged for an IE. The claimant objected and the Tribunal at a preliminary issue hearing determined that the IE was reasonable and could go forward. The Tribunal would adjourn the hearing on the merits to allow for the...

February 26, 2018

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N.C. v. Aviva Insurance Canada (17-004085)

The claimant sought entitlement to one medical treatment plan. Adjudicator Anita Goela, on review of the medical evidence, determined that the treatment plan was not reasonable and necessary. The matter was dismissed.

February 26, 2018

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J.R. v. Certas Home and Auto Insurance Company (16-003921)

The claimant sought entitlement to a number of medical benefits. The insurer denied the treatment plans based on IE reports and the LAT agreed with the denials. On reconsideration, however, Executive Chair Linda Lamoureux determined that the Tribunal arrived at the determination in a manner that was procedurally unfair to the claimant. At the Tribunal...

February 26, 2018

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I.K. v. Primmum Insurance Company (16-001652)

The claimant sought entitlement to a number of medical benefits as well as attendant care benefits. The insurer argued the claimant was barred from proceeding with a LAT application for failing to attend a number of IEs, pursuant to section 55. The LAT agreed and dismissed the matter. On reconsideration, Executive Chair Linda Lamoureux upheld...

February 26, 2018

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Applicant v. Aviva Insurance Canada (17-002213)

The claimant sought entitlement to two medical treatment plans and attendant care benefits. Adjudicator Brian Norris reviewed the chronology of Form 1s and denial letters and determined that the insurer had paid all payable attendant care and no further benefits were owed. On review of the medical evidence, Adjudicator Norris determined that one of the...

February 26, 2018

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A.D. v. Aviva Insurance Canada (17-004156)

The claimant sought entitlement to income replacement benefits. The insurer denied the claim based on a number of IE reports. Adjudicator Chris Sewrattan, on review of the chronology of the claimant's application, held that the claimant failed to satisfy the disability test for ongoing income replacement benefits. However, the period before the insurer's denial and...

February 26, 2018

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J.R. v. Certas Home and Auto Insurance Company (16-003921)

The claimant sought entitlement to a number of medical benefits. The insurer denied the treatment plans based on IE reports and the LAT agreed with the denials. On reconsideration, however, Executive Chair Linda Lamoureux determined that the Tribunal arrived at the determination in a manner that was procedurally unfair to the claimant. At the Tribunal...

February 26, 2018

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I.K. v. Primmum Insurance Company (16-001652)

The claimant sought entitlement to a number of medical benefits as well as attendant care benefits. The insurer argued the claimant was barred from proceeding with a LAT application for failing to attend a number of IEs, pursuant to section 55. The LAT agreed and dismissed the matter. On reconsideration, Executive Chair Linda Lamoureux upheld...

February 23, 2018

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Applicant v. RSA Insurance Company (17-000502)

The claimant sought pre- and post-104 IRBs and entitlement to various medical benefits, as well as the cost of a completed OCF-3. Adjudicator Truong found the claimant to be an unreliable witness at the oral hearing, and he gave less weight to the s. 25 psychology opinion as the claimant's unreliable self-reporting was the entire...

February 23, 2018

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Applicant v. Echelon General Insurance Company (16-003153)

The claimant suffered a catastrophic impairment and sought attendant care and housekeeping benefits. The insurer took the position that the claimant was required to show proof of an incurred expense for each benefits pursuant to the 2010 SABS. The claimant argued that since the MVA took place before the 2010 SABS came into force, the...

February 22, 2018

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P.S. v. Aviva Insurance Canada (17-003200)

The claimant sought entitlement to IRBs and the cost of an orthopaedic assessment. Adjudicator Watt rejected both claims. He preferred the evidence of the IE assessors, who concluded that the claimant suffered soft tissue injuries and was able to return to his pre-accident employment. The family physician made no recommendations regarding avoiding work or referrals...

February 22, 2018

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Applicant v. Aviva Insurance Canada (16-004616)

The claimant sought entitlement to medical benefits for physiotherapy, chiropractic, and psychological treatment; the cost of an orthopedic assessment; a special award; and interest on overdue payments. Adjudicator Anwar held that the claimant was entitled to all of the medical benefits for treatment in dispute and interest thereon, but denied entitlement to the assessment and...

February 22, 2018

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Applicant v. Aviva Insurance Canada (17-001414)

The claimant sought entitlement to NEBs, treatment outside the MIG and entitlement to seven treatment plans. Adjudicator Watt dismissed the claimant's claim for NEBs and concluded that the claimant's injuries fell within the MIG. As the claimant's injuries were found within the MIG, Adjudicator Watt found that the disputed treatment plans were not payable. With...

February 21, 2018

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Applicant v. State Farm Mutual Automobile Insurance Company (16-001226)

The claimant sought a catastrophic impairment on both mental or behavioural grounds as well as WPI. Adjudicator Paul Gosio reviewed the medical evidence and conducted a pre- and post-accident review of the claimant's functionality, and determined that the claimant sustained a Class 4 marked impairment in the fields of activities of daily living, concentration, persistence...

February 20, 2018

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Applicant v. Certas Direct Insurance Company (17-001627)

The claimant sought entitlement to 15 treatment plans, non-earner and attendant care benefits. The insurer paid the non-earner and attendant care benefits for two years, before stopping both with IE reports. The insurer, in its written submissions, reversed its position on medical benefits, and ultimately approved the disputed treatment plans. However, Adjudicator Susan Sapin determined...

February 16, 2018

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Applicant v. Economical Mutual Insurance Company (17-002867)

The claimant brought a motion to change the format of a preliminary issue hearing from written hearing to proceed via teleconference. Adjudicator Trojek denied the claimant's motion. Adjudicator Trojek concluded that the claimant did not provide her with adequate reasons to change the format of the preliminary motion hearing.

February 16, 2018

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G.A.E. v. Aviva Insurance Canada (17-000317)

The claimant sought entitlement to a number of medical benefits. In addition to a MIG position, the insurer asserted that the claimant was barred from bringing a claim as notice to claim accident benefits was not provided within seven days (or reasonably thereafter) of the MVA, pursuant to sections 32 and 55. Adjudicator S.F. Mather...

February 16, 2018

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Applicant v. Aviva General Insurance (17-003539)

The claimant sought removal from the MIG and three medical benefits. Adjudicator Norris held that the claimant's partial rotator cuff tear was an injury that fell within the MIG, and that the claimant's pre-accident reports of back pain did not constitute pre-existing injuries that would prevent recovery under the MIG. He also concluded that the...

February 14, 2018

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Applicant v. Wawanesa Mutual Insurance Company (16-002633)

The claimant sought removal from the MIG and two medical benefits. The insurer argued that the claim was time barred. Adjudicator Maedel held that the claimant had applied to the LAT within 90 days of receipt of the FSCO Report of Mediator, and was therefore within the limitation period. He concluded that the claimant's injuries...

February 14, 2018

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Applicant v. TD Insurance Meloche Monnex (17-000640)

The claimant sought entitlement to NEBs, removal from the MIG, and two treatment plans. Adjudicator Neilsen first exclude one report submitted by the claimant because it was given to the insurer 10 days prior to the hearing. In terms of the benefits in dispute, the adjudicator concluded that the claimant failed to adduce sufficient evidence...

February 14, 2018

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Applicant v. Co-operators General Insurance Company (16-003821)

The claimant sought removal from the MIG and entitlement to four medical benefits. Adjudicator Makhamra accepted that the claimant suffered from a compression fracture caused by the accident, and from psychological impairments; the claimant was removed from the MIG. The adjudicator awarded all of the claimed medical benefits, as being reasonable and necessary.

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Contact Us

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Toronto, Ontario M5H 3S5

416.507.1850

eodonnell@tgplawyers.com

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Contact Us

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

416.507.1850

eodonnell@tgplawyers.com