Insurance Category Archives

Disproportionate amounts spent on Independent Medical Examinations drive claim costs

doctor types at laptop computer

This month, the Insurance Bureau of Canada (IBC) released the Ontario Health Claims Database (HCDB) Standard Report. The Report analyzes data collected through the Health Claims for Auto Insurance (HCAI) system. Since February 2011, HCAI has been the mandatory system that Ontario health care facilities are required to use when submitting auto insurance claim forms to insurance companies. The insurers respond to the claims through …

Next steps in auto insurance: What action will our MPPs take to increase access to justice for accident victims?

Tomorrow is Election Day in Ontario and many of us will be off to the polls to cast our votes. On June 3, 2014, we saw the election debate between the three major party leaders. While a number of issues were addressed, including scandal, the deficit, and job creation, auto insurance reform was not one of them. It is unfortunate that the topic did not …

Ontario Auto Insurance: What are we paying for?

If you drive a vehicle in Ontario, the law requires that you insure your vehicle. Every auto insurance policy includes mandatory no-fault benefits. We pay for these benefits with our premium dollars. While premiums have continued to climb year after year, the no-fault accident benefits for injured victims continue to erode. While benefits have been steadily declining for many years, the changes that were imposed …

Restricted access to justice needs to be part of the election discussion

With Ontarians heading to the ballot boxes in less than a month, people are paying heightened attention to what the parties and candidates have to say on issues they care about. For many people, that means education, health care, jobs and environmental issues. Unfortunately, tort rights, thresholds and deductibles are probably not even on the radar, and understandably so. The reality is that most people …

OTLA calls on provincial candidates to restore the basic rights of accident victims

Ontario NDP Leader Andrea Horwath waves to supporters during a campaign stop in Brampton, Ont. on Saturday, May 10, 2014.

Image credit: Darren Calabrese / THE CANADIAN PRESS On March 4, 2014, the Ontario Liberals tabled Bill 171, which proposed a number of amendments to the Insurance Act, the Financial Services Commission of Ontario Act, the Licence Appeal Tribunal Act, the Motor Vehicle Accident Claims Act and the Repair and Storage Liens Act. At the time of tabling Bill 171, Fair Association of Victims for Accident …

What to do after a car accident: The do’s and don’ts

For many people, spring and summer are synonymous with road trips. You may go to your cottage for a long weekend or drive somewhere delightful on a week-long road trip. But as more vacationers take to the road this spring and summer, the potential for an accident also increases. The sad truth, according to statistics, is that most drivers will be involved in a vehicle …