OTLA staff and members attended the Licence Appeal Tribunal Stakeholder Consultation Meeting on behalf of OTLA. At the meeting, the LAT provided us with an update on their operations and different stakeholders (OTLA, the IBC, The Advocates Society and the OBA) each presented concerns and potential solutions to help the LAT.
“Reasonable And Necessary” Treatment: What Does It Mean?
Your automobile insurer is supposed to pay for all “reasonable and necessary” non-OHIP-covered medical treatment (up to specific monetary limits). This includes things like: Physiotherapy Counselling Occupational Therapy Rehab Support Chiropractic Acupuncture Massage Therapy and Mobility devices Treatment is important for any person’s recovery from injury. Treatment can alleviate pain and increase function. But, often automobile insurers will balk at paying for treatment, stating “that’s …
The Cruelest Personal Injury Law
There are a lot of cruel personal injury laws: caps on pain and suffering, secret deductibles, biased doctors, the list goes on. But, there is one that is the worst of them all: The cap on damages for the loss of family members.
Everyone Should Have $2M Automobile Liability Limits
Automobile liability insurance covers you if you are sued for injuries caused in an automobile accident. Your insurance company appoints a lawyer, defends you and pays out any damages (up to the liability limits).
What If My Insurance Broker Doesn’t Tell Me About Optional Benefits?
As previously discussed on the OTLA Blog, everyone should consider buying optional automobile insurance Accident Benefits. In 2016, Accident Benefits were slashed by the Ontario Government. But, consumers can buy back the old coverage levels (and more) by purchasing optional benefits. Instead of the “normal” $65,000 of Medical and Rehabilitation (Med-Rehab) and Attendant Care Benefits available to non-“minor” and non-Catastrophic injury victims and the $1M …
Expert Witnesses: A Strange Legal Rule
The same biased expert witnesses are hired over and over again to give the same bad opinions, but their bias at trial can’t be cross-examined. The experts get to make a lot of money, but it doesn’t make a lot of sense from a fairness perspective.