Insurance Category Archives

Proposed Aviva Insurance Policy a Boon for Uber Drivers Without Commercial Coverage

Billed as an evolution to modern transportation, Uber has inspired global debate about whether the company’s ridesharing application cuts corners on regulatory rules, and what effect this has on the taxi industry and public at large. A proposed policy by Aviva Canada seeks to respond to the company’s uncertain insurance coverage for ridesharing drivers and their passengers. A major problem with using Uber is the …

Tis the Season for Winter Tires and Ontario Insurers are playing Scrooge with the Discounts

Winter tires are an important part of safe winter driving. The tire rubber is more flexible and contacts cold, icy roads in a way that all season and summer tires simply can’t. Shorter stopping distances and greater vehicle control translate to a lower risk of collision and, accordingly, decreased chance of an insurance claim. In April’s provincial budget, the Ontario government promised to make insurance …

Social Media, Privacy, and High-tech Fishing Expeditions: Digital Evidence in the 21st Century

In today’s high tech world, the ubiquity of social media, wearable technology and the digitization of everything we touch, see and do leaves behind a trail of digital fingerprints. As such, it’s no surprise that starting a personal injury lawsuit in the digital age often comes with many challenges; one of which is the potential production of “private” social media details to insurance companies. Information found …

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 …