What is the test for having chronic pain syndrome to be included in a motor vehicle insurance application?
Ontario, Canada
The following excerpt is from Aravinthan v Allstate Insurance Company of Canada, 2022 CanLII 1142 (ON LAT):
She relied on Y.X.Y v. the Personal Insurance Company[8], which stated that it’s not the presence of on-going pain alone that removes a person from the MIG, it’s chronic pain syndrome, where an applicant’s pain affected his/her/their abilities to engage in employment, housekeeping or caregiving activities; there must be a functional impairment.
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