This blog post will compare Ontario automobile insurer market shares against the amount of Licence Appeal Tribunal (LAT) Applications and LAT Decisions. In other words, how are the biggest insurers behaving on automobile insurance claims from their own insureds? Which insurers are denying the most claims? And, which insurers play hardball with their insureds all the way up to a LAT hearing and decision?
Updated LAT Statistics
OTLA continues to make strategic Freedom of Information requests to the government. As part of these requests, we recently received updated Licence Appeal Tribunal statistics.
10 Things We Learned at The September LAT Stakeholder Meeting
OTLA staff and members attended the Licence Appeal Tribunal Stakeholder Consultation Meeting on behalf of OTLA. At the meeting, the LAT provided us with an update on their operations and different stakeholders (OTLA, the IBC, The Advocates Society and the OBA) each presented concerns and potential solutions to help the LAT.
“Reasonable And Necessary” Treatment: What Does It Mean?
Your automobile insurer is supposed to pay for all “reasonable and necessary” non-OHIP-covered medical treatment (up to specific monetary limits). This includes things like: Physiotherapy Counselling Occupational Therapy Rehab Support Chiropractic Acupuncture Massage Therapy and Mobility devices Treatment is important for any person’s recovery from injury. Treatment can alleviate pain and increase function. But, often automobile insurers will balk at paying for treatment, stating “that’s …
The Cruelest Personal Injury Law
There are a lot of cruel personal injury laws: caps on pain and suffering, secret deductibles, biased doctors, the list goes on. But, there is one that is the worst of them all: The cap on damages for the loss of family members.
Everyone Should Have $2M Automobile Liability Limits
Automobile liability insurance covers you if you are sued for injuries caused in an automobile accident. Your insurance company appoints a lawyer, defends you and pays out any damages (up to the liability limits).