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CASE CENTRE · PERSONAL INJURY · SABS / LAT APPEALS

Huynh v. Security National

2026 ONSC 4759 Divisional Court (Ontario) August 17, 2026
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In short: The Divisional Court upheld a tribunal finding that a claimant had not proved he was entitled to accident benefits after a fall that broke his elbow. The tribunal had found the medical and treatment-plan paperwork too thin to support the claim.

The Facts

In January 2022 the claimant fell while taking boxes out of his running car and fractured his elbow. He needed surgery and applied to his insurer, Security National, for statutory accident benefits. The Licence Appeal Tribunal accepted that an accident had happened but held that he had not shown he was entitled to the benefits he sought. It found the medical evidence too limited on the extent and duration of the impairments from the accident, and the material on whether the claimed treatment was reasonable and necessary too sparse. A reconsideration request was refused, and he appealed to the Divisional Court.

What the Court Decided

The Divisional Court dismissed the appeal. Appeals from this tribunal are restricted to questions of law, and the court saw no error in how the adjudicator placed the burden of proof on the claimant. It pointed to thin forms completed by his chiropractor, the absence of the required treatment and assessment plans, and the lack of any evidence setting out the essential tasks of his job. The court also found no procedural unfairness and declined to admit new evidence, since fresh material cannot show that the tribunal made a legal error. Costs of $5,000 were awarded against him.

Does This Affect You?

  • ✓Your accident benefits were denied because the tribunal found your medical or treatment evidence insufficient.
  • ✓You are deciding whether to appeal a Licence Appeal Tribunal decision to the Divisional Court.
  • ✓You hurt yourself in a fall or accident connected to a vehicle and are claiming statutory accident benefits.

Key Takeaways

  1. The claimant carries the burden of proving entitlement to each benefit, usually with detailed medical evidence and the proper forms.
  2. An appeal on a question of law is not a second chance to improve the evidence; new material rarely helps.
  3. An unsuccessful appeal can also bring an order to pay the insurer's costs.

Frequently Asked Questions

Why was the claimant's appeal dismissed?
The court found that the tribunal had applied the burden of proof correctly and that the real problem was a thin evidentiary record, which is not a legal error.
Could the claimant file new evidence on the appeal?
The court refused to receive it, because the appeal only asks whether the tribunal made an error of law on the evidence that was before it.