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Martin v. Certas Home and Auto Insurance Co. (2025 ONSC 665)

  • June 3, 2025

The claimant appealed the Tribunal’s decision that she did not sustain a catastrophic impairment. Her primary argument was that the LAT erred in rejecting the evidence of her chiropractor in the ratings for Criterion 6, 7, and 8. The Tribunal rejected the chiropractor’s evidence insofar as the chiropractor gave opinion and diagnosis of psychological injury, and preferred the evidence of the insurer’s experts who were qualified to diagnose psychological conditions. The Court dismissed the appeal, holding that the Tribunal correctly applied the law in restricting the scope of the chiropractor’s admissible evidence. The SABS and AMA Guides permit a chiropractor to give certain opinions on catastrophic impairment when it comes to physical impairment ratings, but does not allow a chiropractor to give evidence outside of their qualified areas of expertise.

Full decision here

TGP Analysis

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  • FILED UNDER Catastrophic Impairment, Divisional Court
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