The Minor Injury Guideline (MIG)
The objectives of the Minor Injury Guideline (MIG) are to provide immediate access to treatments and to ensure insurance companies will pay for these treatments promptly. Insurance companies can substantially reduce the amount of money they pay in a MIG claim.
The MIG limits the amount that an injured person can access to $2,200, or, with an extension, to an absolute maximum of $3,500. In some minor injury cases, this is sufficient. However, for many people, this amount is not nearly enough to pay for the treatments they need and to be able to function as they did before the accident. If an individual is removed from the MIG, then they may be entitled to a maximum of $65,000 in medical treatments.