Security National holds firm on MIG denial through tribunal reconsideration
A reconsideration tribunal has upheld Security National Insurance Company's denial of a Minor Injury Guideline (MIG) claim, rejecting the policyholder's attempt to overturn the insurer's original decision and reinforcing the insurer's stance on capping minor injury coverage.
What happened
Security National Insurance Company has prevailed in a tribunal reconsideration proceeding concerning the denial of a Minor Injury Guideline (MIG) classification. The tribunal reviewed the insurer's earlier decision to deny MIG-related coverage and sided with the insurer, leaving the original denial in place rather than overturning it in favour of the claimant.
What it means for consumers
For Ontario auto insurance policyholders, the outcome underscores how difficult it can be to challenge an insurer's MIG denial outside of formal court proceedings. Claimants who have been assessed under the MIG and are seeking coverage for treatment beyond the standard cap now have a recent example of a reconsideration request being denied, suggesting that internal review pathways may offer limited relief when the insurer's medical assessments are consistent with the guideline's framework.
What it means for premiums
No direct premium change has been announced.
Coverage considerations
The decision is unlikely to widen coverage under the MIG itself, since the guideline's statutory structure remains unchanged. However, the ruling may prompt insurers to take a firmer stance on MIG designations, knowing that reconsiderations can be defended. Policyholders with pre-existing conditions, complex symptoms, or treatment plans that exceed the MIG cap may want to discuss documentation and the possibility of compelling a CAT (Catastrophic) designation with a licensed representative before relying on a standard accident benefits claim.