ontario Tag Archives

ATVs, accident benefits and lawsuits: Timing is everything!

The use of off-road recreational vehicles such as ATVs for fun and recreation has increased dramatically over the years.  It is also not unusual to see such vehicles on public roadways, and for these vehicles to be driven by young people including minors.   Over the years, recreational culture has given rise to an increasing number of rollovers, crashes, and alcohol-related incidents involving ATVs and other …

Bill 15: New Auto Insurance Legislation Inhibits Access to Justice, Requires Amendment

With Bill 15, introduced in July 2014, the government has brought forward amendments that were initially introduced earlier this year. OTLA welcomes the new legislation which would bring forward Justice Douglas Cunningham’s much-needed reforms to the auto insurance dispute resolution system. While we welcome the majority of the recommendations, there are two outstanding issues that we ask MPPs to address through amendments at committee: ensuring …

Ride at your own risk: The perils of ride sharing services

This past year the app-based ride sharing service, Uber has come to Canada. Uber denies that it is a commercial transportation company; rather, it describes itself as a technology company only offering a matchmaking service to connect riders with drivers. Uber is currently operating in Toronto and Ottawa. Uber operates through a smart phone app or web browser. If someone needs a ride, the person requests …

Distracted Driving: Upping the Ante

A New Bill to Improve Road Safety The catastrophic injuries and devastating losses that can happen from accidents due to impaired driving have become known by most. Responsible drivers do not drink and drive: they call a cab, use public transit or have a designated sober driver. Responsible drivers consider other factors that could also impair their ability to control their motor vehicle, including drugs …

Did you know you can be held responsible for an accident without even being in the car?

Many people in Ontario are unaware that they can be held liable for an accident even if they were not in the vehicle at the time. As the owner of a motor vehicle in Ontario, you may be liable for the negligent actions of another person who is in possession of and operates your vehicle. This is called vicarious liability. Section 192 (2) of the …

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 …