M. R. was injured in a car accident on December 6, 2013. She applied for Accident Benefits (OCF-1) to Aviva on February 11, 2014, approximately two months after the accident. Aviva responded to M. R.’s Application in Explanation of Benefit, informing her that she would be treated under the Minor Injury Guideline (MIG), and did not qualify for attendant care benefits. It is Aviva’s position that these letters are valid denials of M. R.’s application for attendant care benefits.
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