Special awards are rare at the LAT. They’re only granted when an insurer’s conduct is found to be excessive, stubborn, or unreasonable. Meghan Fyall just secured one for our client.
After a November 2022 accident, Onlia Insurance Company kept our client confined to the Minor Injury Guideline (MIG) for over two years, denying nearly every treatment plan and attendant care benefits.
What changed? Only after our client filed an application with the LAT and retained legal representation did the insurer finally act:
- Removed client from MIG on November 26, 2024, two months after the case conference
- Approved all previously denied treatment plans and $3,000/month in attendant care benefits
- No new medical evidence was submitted, this reversal happened because lawyers got involved
The Tribunal found:
- The insurer violated statutory timelines by responding to a treatment plan 11 days late (not the required 10 business days)
- The insurer knew about this error after retaining counsel but waited months to correct it
- The delays were unreasonable and forced our client to seek LAT relief, incurring additional costs
The result: A 15% special award totaling $13,019.34, plus interest on all overdue treatment plans.
This case demonstrates why legal representation matters. Insurance companies are not on your side. They denied everything for two years until lawyers stepped in. Meghan’s advocacy held the insurer accountable and secured both the benefits and the award our client deserved.
Case Citation: Larmond v. Onlia Insurance Company, 2026 ONLAT 24-006504/AABS
