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I was in a car accident and need treatment. My insurance company keeps saying they won't pay because I'm in the "MIG"? What does that mean?

Under the Statutory Accident Benefits Schedule (your no-fault auto insurance), MIG refers to the Minor Injury Guideline.  Injuries which fall under the MIG are defined by the Schedule as a sprain, strain, whiplash, contusion, laceration or subluxation.  If you sustain only these types of injuries, the insurance company may limit your benefits for treatment to $3,500.00.

However, many people have injuries which fall outside of the MIG.  For example, if you have sustained a concussion, a fracture, a psychological injury, or if you have a pre-existing condition which is affecting your ability to recover, then your injuries should not be classified as “minor”.  This increases the benefits available for treatment to a maximum of $50,000.00.

Those injured in car accidents simply want to recovery from their injuries.  If you are facing a situation where your no-fault insurer is attempting to limit your claim, it is a good idea to consult with a lawyer who specializes in this type of matter so that you can get the treatment you need. 

Brian Simo
Brian Simo
P: 905.572.5819
bsimo@rossmcbride.com