What is the Minor Injury Guideline (MIG)?

As part of the auto insurance changes in 2010, the Ontario government created a “minor injury guideline,” also referred to as “MIG.”

MIG includes sprains, strains, contusions, abrasions, lacerations, subluxations and “whiplash associated disorders.” If your injuries fall under the minor injury guideline, your medical and rehabilitation benefits will be capped at $3,500, unless you have pre-existing condition with compelling evidence and as a result, need additional medical or rehabilitative treatment to make a full recovery.

Any extended health benefits you may have through your employer, spouse’s employer, parents etc.  must be used prior to the auto insurance being billed, these are called collateral benefits. These benefits are paid in addition to the $3,500 cap.

Many people who’ve been in recent car accidents will tell you that so-called minor injuries need major rehab and $3,500 doesn’t go very far. Unfortunately, any additional coverage for medical or rehab benefits you’ve purchased through your auto insurance won’t do you any good if your injuries are considered minor.

Would you like more information on Accident benefits? Contact us for a FREE copy of our book “It’s No Accident.”