Rehabilitation At An Added Cost
Insurance legislation introduced in 2010 has now, two years later, come under scrutiny, as expected. The most recent arbitration is about the minor injury guideline or, as we call it in the industry, the MIG.
This guideline was introduced to limit medical rehabilitation coverage to $3,500. If you are found to not be in the MIG, your coverage jumps to $50,000. Clearly there is an incentive to keep people within the MIG as it limits the exposure of the insurance company.
The most recent decision stated that, among other injuries, chronic pain, temporomandibular joint pain (TMJ) and post-traumatic stress disorder do not confine a claimant to the MIG. This is extremely significant. Some will classify chronic pain as pain lasting more six months and some say it is pain that persists past the one-year mark.
What does that mean for the average person? Now more than ever you will need legal representation if you fall into one of the above categories. Claimants will need to provide compelling evidence to the insurance company that they fit into one of the above definitions so they will get the extended coverage. It is easier said than done. Trust me.
Insurance companies will not roll over and accept your word — often they will not even accept the word of your treating practitioner. Experts need to get involved and mediation is often necessary. It is important to have a good team behind you.
If you fall into one of these categories, call a personal injury lawyer for a free consultation. It is important to know your rights under this recent ruling and be prepared.
OUR TEAM
- Jeffrey Hum
- Tofunmi Adeyeye
- Alessia De Gasperis
- Karan Joshi
- Amandeep Chawla
- Jeremy Tsoi
- Kimiya Razin
- Bilal Hashimy
- Qaisar Yaqub
- Shir Zisckind
- Gray Sinden
- Shelly Bard
- Christian Brown
- Daly Canie
- Mohsen Heydari
- Tanveer Sohal
- Erin MacDonald
- Prianka Virdi
- Noah Brownstone
- Justin Kaminker
- Harinder S. Bhatti
- Craig Yargeau
- Kiran Birk
- Amit Singh
- Andrei Teju
- Maria Zahid
- Matthew Douglas
- Jacob Elyk
- Harry Gill
- Aria Nejatali
- Jesse Singh
- Kristina Olivo
- Egi Bano
- Ainsa Hepburn
- Cam Woolley
- Charles Thompson
- Alexandra McCallum
- John Sime
- Allan Cocunato
- Patrick Poupore
- Erika Henderson
- Marina Korshunova
- Brandon Handelman
- Regeena Alapat
- Ryna Kim
- Natalia Poliakova
- Isaac Zisckind
- Manpreet Bhogal
- Mathura Santhirasegaram
- Nikolai Singh
- Sandra Zisckind
- Jeremy Diamond
- Michael Blois
- Darryl Singer
- Nadia Condotta
- Tinashe Madzingo
- Megan Armstrong
- Veronica D’Angelo
- Corey J. Sax
- Scott Tottle
- Steven Wilder
- TJ Gogna
- Jillian Carrington
- Joshua Himel
- Simon Diamond
- Cory Rubin
- Simon Mariani
- Brandon Greenwood
- Basil Bansal
- Nastassia Ivanova
- Tania Fleming
- George Laloshi
- Patrycja Majchrowicz
- Diana Iakossavas
- Dior Africa
- Alex Ragozzino
- Liana Saccucci
- Richard J. Chang
Diamond & Diamond British Columbia Head Office
1727 West Broadway, Suite 400, Vancouver, British Columbia
Barrie
168 Bayfield Street
Calgary
1331 Macleod Trail SE, Suite 645
Edmonton
4246 97 Street NW, Unit 103
Halifax
1701 Hollis St
London
256 Pall Mall St, Suite 102
Oshawa
50 Richmond Street E, Unit # 108 B
Ottawa
955 Green Valley Crescent, Unit 315
Sudbury
31 Larch Street, Unit 300
Timmins
120 Cedar Street South, Unit 002A
Toronto
255 Consumers Road, 5th Floor
Vancouver
1727 West Broadway, Suite 400
Windsor
13158 Tecumseh Rd. E. Unit 3B
Additional Areas Served
Ontario
Alberta
British Columbia
Maritimes
© 2021 Diamond and Diamond Lawyers LLP. All Rights Reserved.