Accident Benefits Category Archives

2021: Another Year of the LAT (and it isn’t getting faster)

As we bid farewell to 2021, OTLA has updated the Licence Appeal Tribunal statistics from our ongoing Freedom of Information requests. Not surprising, the LAT is not getting any faster, and even more not surprising, the same insurers are still creating a lot of LAT disputes…

How Many People Actually Buy Optional Accident Benefits?

In Ontario, the standard no-fault Accident Benefit coverage for Catastrophic injuries (i.e. the most serious injuries) is $1M for all Medical, Rehabilitation and Attendant Care services. That amount is not enough to protect you if you are catastrophically injured. For an extra cost, you can buy an extra $1M of coverage (increasing your coverage to $2M)…

Top 5 “Wow!” Moments from Insurance Companies’ Submissions to the Ontario Government on Restoring the $2M Catastrophic Limits

In 2019, the Ontario Ministry of Finance asked for submissions on automobile insurance and whether to return to a $2M limit for medical, rehabilitation and attendant care benefits for catastrophically injured people. Here are the Top 5 “Wow!” moments from those submissions…

The Effect of Excluded Driver Endorsements

In certain circumstances, an insurance company or a person insured under a motor vehicle policy may request the execution of an Excluded Driver Endorsement, also known as the “Ontario Policy Change Form 28A” or “OPCF 28A” in Ontario…

What is a Housekeeping and Home Maintenance Claim in Personal Injury?

Persons who suffer serious personal injuries often have difficulty returning to the normal life they led before the accident. A lawyer who is a member of OTLA can help recover money for a range of changes or ‘damages’ due to an injury. These can include ongoing pain and suffering, changes in ability to work, the need for medical treatments and changes in ability to complete tasks at home. This article will focus on the tasks at home…