What is a minor injury guideline?

The Minor Injury Guideline (MIG) is part of the Statutory Accident Benefits Schedule (SABS) and is in place to guide how accident victims are covered for goods and services by their insurers if their injuries fall within the definitions in the MIG.

What’s considered minor injury?

What is considered a minor injury? Minor injuries do not involve broken bones, surgery or hospitalization. Soft tissue injuries such as strains, sprains and contusions are examples of minor injuries.

What is minor and major injury?

Minor personal injury claims generally include “soft tissue” injuries – injuries to muscles, ligaments, and tendons (e.g., sprains, strains, pulls). Major personal injury claims include accidents that resulted in permanent injury, dismemberment, loss of bodily function or even death.

What is not a minor injury?

What’s a non-minor injury? Non-minor psychological or psychiatric injuries include diagnosed psychological or psychiatric illnesses such as depression or post-traumatic stress disorder (PTSD), as well as a range of other psychological or psychiatric illnesses. Non-minor physical injuries may include: Fractures.

Is chronic pain a minor injury?

This argument was rejected by the adjudicator, who found that the term “minor injury” does not encompass chronic pain because chronic pain is not included in the definition and is not a clinically associated sequelae to a minor injury.

What does OCF 18 stand for?

The OCF-18 describes the cause and nature of injuries that are a direct result of the motor vehicle accident. It outlines assessments or examinations that a Health Care Facility or Associated Provider feels are required for ongoing management of the Claimant’s recovery.

What are examples of minor injuries?

Minor Injuries

  • Cuts and Lacerations.
  • Bruises.
  • Minor Dislocations.
  • Foreign Bodies.
  • Minor Head Injury.
  • Minor Trauma to Body including hands / limbs / feet.
  • Eye Injury.
  • Burns and Scalds.

How we can prevent minor injuries?


  1. Wear the correct protective equipment.
  2. Condition and strengthen muscles before play.
  3. Stretch before and after play to increase flexibility.
  4. Have rest periods during play to prevent illness related to the heart and reduce injury.
  5. Stop the activity if injury or pain occurs.

What are three minor injuries?

Examples of Minor injuries include:

  • Sprains & Strains.
  • Broken Bones.
  • Arm and leg injuries.
  • Cuts and grazes, burns and scalds.
  • Eye injuries.
  • Minor head injuries.
  • Insect and animal bites.
  • Allergic reactions.

Can you claim for minor injuries?

You can carry out minor injury claims if you have suffered from an injury that has caused you neck and back pain, soft tissue injuries, cuts, or bruises & contusions. A minor accident can still cause pain and they can still disrupt your life.

What is minor injury guideline in Ontario?

The Minor Injury Guideline (MIG) provides a framework for the treatment and benefits of motor vehicle accident victims who sustain “minor injuries.” While the insurance industry may use the MIG to help curb their payouts and overall costs, accident victims might wind up getting the short end of the stick.

How do you get out of a MIG?

Therefore, to be removed from the MIG due to a pre-existing condition, a person must have compelling pre-accident evidence documented by a health practitioner showing that due to their impaired pre-accident baseline, they will be prevented from achieving maximal recovery if restrained to the MIG med-rehab limit of …

How are minor injuries treated in a car accident?

In cases where victims of a motor vehicle accident suffer minor injuries, the minor injury guideline allows expedited access to rehab services like chiropractic and physiotherapy to ease symptoms like pain and minor disability.

How much does SABS cover for catastrophic injuries?

As of June 1, 2016, the coverage is now $65,000 in total combined. Accident benefits for Catastrophic Injuries: This category is the same as above but offers increased coverage due to catastrophic injuries such as brain damage, loss of limb (s), and/or paralysis of the lower half of the body.

What does minor injury mean in medical terms?

For the purposes of this Guideline: a) minor injury means a sprain, strain, whiplash associated disorder, contusion, abrasion, laceration or subluxation and any clinically associated sequelae. This term is to be interpreted to apply where a person sustains any one or more of these injuries.

What are the benefits for a minor injury?

For example, a person with a minor injury, bounced out of the MIG, is entitled to up to $50,000 in medical-rehabilitation benefits, but not to optional benefits such as attendant care and housekeeping.