Accident Benefits Category Archives

Why you need optional car insurance benefits

a hand signs a form with a car in the background

Posted with permission from gironeslawyers.com Several changes to the Ontario Accident Benefits regime in recent years have meant that you do need many of the optional benefits offered by your car insurance company. Because these optional increases cost more money, many people opt not to purchase them. Unfortunately, it is only after they are injured in a car accident that people realize why the optional benefits are …

Profits Soar for Ontario Auto Insurance Companies

Last week, an updated study from York University School of Business Professors Fred Lazar and Eli Prisman was released that reveals consumers likely overpaid $1.5 billion in the last two years for auto insurance. This includes overpayments of $700 million (or about $100 for each insurance policy) in 2014 on top of the $840 million ($120 per policy) in 2013. This study is further proof …

Attendant Care Moves into the Digital Age

In recent years, the Ontario legislature has slowly eroded accident victims’ access to Attendant Care benefits available under the Statutory Accident Benefits Schedule (SABS). Since 2010, an accident victim must either hire a professional caregiver or prove that his/her attendant has incurred an economic loss – such as lost income – while providing attendant care. Both requirements are fraught with complications. When attendant care in …

Ontario government deals another blow to injured Ontario motorists with the Common Traffic Impairment Guideline

available rehab coverage

The Ontario government continues to allow insurance companies to erode coverage for Ontario motor vehicle accident victims. The draft Common Traffic Impairment (CTI) Guideline proposes to reduce available treatment to below critical levels. OTLA has submitted a Response to the Draft CTI Guideline and the CTI Guideline Appendix. Prior to September 2010, car crash victims had up to $100,000.00 in available coverage for rehabilitation. To …

Unidentified, Uninsured And Underinsured Motorists: Who Pays For My Injuries?

car and driver on the road

In Ontario, driving with automobile insurance is mandatory. As a result, those injured in a motor vehicle accident have the peace of mind of knowing that after an accident they can claim compensation against the at-fault party, which is usually responded to by that party’s insurance company. However, this begs several questions. What happens if the other party is uninsured? What if the other party …

Only the Rich Can Afford Lower Car Insurance Premiums

No fault accident benefits were supposed to compensate Ontario drivers for the significant reduction in their right to sue. 20 years ago when the right to sue for car accidents was restricted to serious and permanent injuries, the quid pro quo was a generous amount of benefits to cover lost income, caregiver and housekeeping help and medical care.