Insurance Category Archives

Making Sense of Your LTD Coverage

Frustrated by confusing LTD coverage, a man throws papers into the air

With life being as hectic as it is, it is just too easy to turn our minds from what appears to be the least-pressing issues at the moment. These issues may seem to include the fine print in your long-term disability policy. However, in the event that you become disabled, these mundane details can mean absolutely everything to you and your family. It is important …

Critical Disclosure in an Insurance Application

Disembodied hand completes Insurance Application

Completing an application for life or disability insurance can be daunting. An applicant faces questions about their health history, addressing medical issues that the applicant may not fully understand or be aware of. The applicant may be inclined to answer the questions as quickly as possible or rely on a third party to answer the questions to hasten the completion of the application. As a …

Challenging jury bias in Ontario automobile injury trials

car key with "insured" written on fob

Should people with auto insurance be excluded from juries in car crash trials? OTLA Director Kris Bonn argues that jurors familiar with car insurance might decide to reduce the victim’s award, in order to keep premiums from becoming more expensive. How is that fair to Ontario’s vulnerable and injured?

Ontario insurers continue to profit from victims of arson

A string of disturbing cases has highlighted a troubling trend of injustice for Ontario homeowners who are victims of arson. While homeowners rely on insurance to protect us when we are victims of a wrongful act – like arson – insurers continue to take advantage of consumers by placing exclusions in their policies that prevent just compensation.

How Will Reforms to Impaired Driving Laws Impact Ontario Insurance Coverage?

Driving into the THC Fog

On April 13, 2017, the Federal Government announced long-anticipated plans to legalize marijuana in Canada. Along with that announcement came the most sweeping proposed reforms to Canada’s impaired driving laws seen in decades. This article will attempt to forecast possible insurance coverage pitfalls if and when these laws are in place, based on the current law in Ontario. Generally, you purchase insurance to cover a …

How Insurers Deduct Thousands from Accident Victims’ Compensation

Insurers save thousands thanks to the threshold, deductible and damages limits

Imagine for a moment that you are suddenly injured in a car accident for which you are not at fault and are now stuck with its consequences, which most often include pain, suffering, loss of enjoyment of life, and impairments which impact your ability to earn a living. Out of a common sense of fairness, one would expect our legal system to adequately compensate accident …