There are different “levels” of medical and rehabilitation benefits. The Minor Injury Guideline (MIG) is the lowest tier, where the maximum amount to be paid is $3,500 and you are expected to recover in 12 weeks.
It is a “guideline” for how much treatment you need and how long your recovery should take, based on your injuries. However, your injuries may be more severe than your insurance company realizes.
According to the SABS, a minor injury “means one or more of a sprain, strain, whiplash associated disorder, contusion, abrasion, laceration or subluxation and includes any clinically associated sequelae to such an injury”.
Your recovery may be taking longer than expected and your treatment providers may feel you need further treatment outside of the MIG.
It is possible to demonstrate to your insurer that your injuries fall outside of the MIG. For example, if you injured your knee and what was thought to be a sprain turned out to be a significant tear and surgery is required, you would require a longer recovery period. Your lawyer would help you by ordering your treating physician’s records and providing them to your insurer to demonstrate the evolution of your injuries.