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.

January 11, 2018

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Economical Mutual Insurance Company (17-002716)

The insurer sought repayment of overpaid income replacement benefits, as well as the cancellation fee for a missed examination under oath. Adjudicator Sandeep Johal reviewed the evidence of the insurer and determined that it failed to establish the claimant made a willful misrepresentation resulting in an error. Because a willful misrepresentation was not established, repayment...

January 11, 2018

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Applicant v. Allstate Insurance Company (16-004309)

The claimant sought entitlement to ongoing NEBs and two proposed treatment plans for physiotherapy. Adjudicator Baker denied entitlement to NEBs but awarded the treatment plans. In terms of NEBs, Adjudicator Baker wrote that the claimant had submitted only limited evidence about his pre-accident and post-accident life, which did not support entitlement to NEBs. He also...

January 10, 2018

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Applicant v. Unifund Assurance Company (16-003709)

The claimant sought entitlement to IRBs and ACBs. The insurer sought repayment of IRBs paid for a period that the claimant was working. Adjudicator Bickley denied entitlement to both IRBs and ACBs. She held that the claimant's return to work shortly after the accident and frequency gym attendances suggested that the claimant did not suffer...

January 10, 2018

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A.S. v. Economical Mutual Insurance Company (16-003197)

The claimant was entitled to IRBs. The insurer argued that it was entitled to deduct the claimant's post-accident income from his personal business. The claimant argued that he did not "earn" the income from his business because he was not actively engaged in the business. Adjudicator Watt concluded that the claimant was actively involved in...

January 9, 2018

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S.J.L.V. v. Certas Direct Insurance Company (17-000796)

The claimant was the driver of a vehicle when she and her boyfriend were subject to a gun attack. The claimant's boyfriend was hit by bullets and the claimant fled the scene in the vehicle and tried to find a hospital for her boyfriend. Her boyfriend eventually died of his injuries. The claimant argued that...

January 9, 2018

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C.R. v. Scottish & York Insurance Company (16-002077)

The claimant sought removal from the MIG and entitlement to one treatment plan. Adjudicator Anwar held that the claimant's suffered pre-existing conditions that would prevent maximal recovery under the MIG and development of chronic pain. He relied upon the expert reports completed for the claimant, which detailed pre-existing injuries. The insurer argued that the Tribunal...

January 9, 2018

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A.M. v. State Farm Mutual Automobile Insurance Company (16-003519)

The claimant sought entitlement to two treatment plans for dental work. Adjudicator Gosio rejected both claims. He held that the claimant had not submitted medical evidence in support of the claim (such as clinical notes and records, medical reports, or the treatment plans themselves) and that his counsel's submissions were not evidence. Adjudicator Gosio also...

January 8, 2018

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Applicant v. Certas Direct Insurance Company (16-004675)

The claimant sought removal from the MIG and entitlement to two treatment plans. Adjudicator Sewrattan concluded that the claimant suffered minor injuries in the accident. He wrote that neither of the claimant's experts had diagnosed the claimant with a psychological disorder or chronic pain. He also held that the insurer's denials satisfied the requirements of...

January 8, 2018

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Applicant v. Aviva Insurance Canada (17-002689)

The claimant sought entitlement to a medical treatment plan. Adjudicator Derek Grant reviewed the medical evidence and noted that the mere submission of a treatment plan is not enough to establish entitlement. Rather, supporting medical documentation, recommending the treatment sought is critical. In this matter, the claimant failed to provide the necessary supporting evidence and...

January 5, 2018

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Applicant v. Allstate Insurance Company of Canada (16-003415)

The claimant sought a catastrophic impairment designation under criterion 8. The insurer denied the designation based on a number of IE reports. Under the previous SABS, only one Marked impairment or higher rating was needed in any of the four heads of functionality. Adjudicator Cezary Paluch reviewed the evidence of both parties and compared it...

January 3, 2018

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Applicant v. TD Home and Auto Insurance Company (17-002501)

The claimant sought medical benefits outside of the MIG. Adjudicator Maedel found that the claimant sustained predominantly minor injuries as a result of the accident, and there was no compelling evidence that the claimant suffered from a pre-existing medical condition that would limit her recovery.

January 3, 2018

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Applicant v. State Farm Insurance Company (16-004031)

The claimant sought entitlement to income replacement benefits as well as psychological treatment plans. The insurer denied IRBs and asserted the claimant's inability to resume working was due to a pre-existing injury and not an MVA-related impairment. The psychological treatment was denied by the insurer as being not reasonable and necessary. Adjudicator Deborah Neilson reviewed...

January 3, 2018

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A.P. v. Dominion Insurance (17-001651)

The claimant sought entitlement to a treatment plan. The insurer denied payment and asserted a MIG designation. The claimant countered and argued the insurer failed to respond to the treatment plan within the prescribed time. Adjudicator Brian Norris reviewed the chronology of events and determined the insurer had responded to the treatment plan in time....

December 29, 2017

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Y.B. v. Aviva Insurance Canada (17-003257)

The claimant sought entitlement to two treatment plans. The insurer denied the plans and asserted neither was reasonable and necessary. The claimant also asserted that the IEs commissioned should have been paper reviews, and therefore not applicable to the insurer's determination. Adjudicator Christopher Ferguson, on review of the medical evidence, determined that neither treatment plan...

December 29, 2017

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Mirzaie v. Wawanesa Mutual Insurance Company (17-004584)

The insurer brought a motion seeking the production of items listed in a case conference Order, as well as additional items. The claimant indicated that best efforts were made to fulfill the production requests of the case conference Order and was able to produce some of the items. Adjudicator Ian Maedel denied the request of...

December 29, 2017

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Applicant v. Wawanesa Mutual Insurance Company (17-002337)

The claimant sought entitlement to a number of medical benefits, as well as income replacement and attendant care benefits. The insurer denied entitlement and also asserted a MIG position. Adjudicator Christopher Ferguson reviewed the medical evidence and determined that no compelling evidence was tendered by the claimant to support entitlement to any of the benefits...

December 28, 2017

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J.A. v. Aviva Insurance (17-001494)

The claimant sought entitlement to IRBs and attendant care benefits. Adjudicator Hamud concluded that the claimant was entitled to IRBs, as he suffered a substantial inability to perform the essential tasks of his employment. An essential task of the claimant's employment as a construction worker required him to lift over 50 pounds, but the claimant...

December 28, 2017

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F.W. v. Certas Direct Insurance Company (17-004604)

The claimant sought a determination that his impairments were outside of the MIG, and entitlement to two treatment plans. Adjudicator Johal concluded that the claimant sustained an impairment that is predominantly a minor injury. The claimant provided no evidence to show that his injuries fell outside of the MIG. The Adjudicator noted that clinical notes...

December 27, 2017

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B.T. v. St. Paul Fire and Marine Insurance Company(17-000086)

The claimant sought entitlement to IRBs and costs of examinations. As a preliminary issue, the respondent argued that the claimant was barred from appealing her claims as she had not followed the procedures for claiming accident benefits under section 32 of the SABS. The claimant did not file a claim for accident benefits until July...

December 27, 2017

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Applicant v. Certas Home and Auto Insurance Company (17-001090)

The claimant disputed his entitlement to income replacement benefits (IRBs). The insurer sought repayment for overpayment of IRBs in the amount of $16,000. Adjudicator Bickley dismissed the claimant's claim for IRBs and the insurer's repayment request. Adjudicator Bickley dismissed the claimant's special award claim and the insurer's cost award claim. Adjudicator Bickley dismissed the claimant's...

December 22, 2017

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S.B. v. State Farm Insurance (17-003290)

The claimant sought entitlement to a number of medical benefits. On review, Adjudicator Christopher Ferguson determined that a number of treatment sought exceeded the monetary value claimed in the treatment plans, as well as in the Professional Service Guideline. Where the claims exceeded the PSGs, the treatment was not awarded. However, the remaining treatment plans,...

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Toronto, Ontario M5H 3S5

416.507.1850

eodonnell@tgplawyers.com

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

416.507.1850

eodonnell@tgplawyers.com