Failing to List All Injuries: How One Small Omission Can Cost You

A Costly Mistake at the Physiotherapist’s Clinic

Ryan suffered from back pain after his accident but was more focused on his broken wrist when filing his OCF-1 form. He only mentioned the wrist injury. Months later, when his back pain worsened, his insurer refused to cover treatment, arguing that he had failed to report it initially.

How to Avoid This Mistake

List every injury, even minor ones. Symptoms can develop over time, and insurers may reject claims for injuries not initially reported. Consult a doctor immediately after the accident to document all possible injuries.

Technicalities & Case Law

In Sietzema v. Economical, 2014 ONCA 111, the court ruled that injuries must be disclosed early, or insurers may deny coverage later. Ensure all injuries are noted on medical and insurance documents.