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Mr. TT was injured in a car accident on October 14, 2014. He applied to Certas SABs. Certas initially approved medical benefits and began paying him an IRB.  Certas then declined to approve more treatment on the basis that Mr. TT reached the $3,500 treatment limit for soft-tissue injuries, and terminated the IRB as of March 6, 2015. Mr. TT applied to the LAT.

https://www.deutschmannlaw.com/blog/post/applicant-is-not-forthright-testimony-not-reliable-irbs-denied-tt-v-certas-lat-16-003055