G.P., a 72-year-old Polish woman, was in a car accident on November 9, 2013 and sought benefits pursuant to the SABs. She applied for several automobile accident benefits which were denied by Cumis. As a result, she filed an Application with the LAT to dispute these of benefits. G.P. also claimed that she had been catastrophically impaired as a result of the accident. She submitted two assessments in support of this claim, one by a general practitioner, Dr. ZM, and one by a psychiatrist, Dr. M.