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)…
Accident Benefits Category Archives
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…
Availability of Insurance in Fatal Accident Compensation Involving Reckless and Impaired Drivers
While the lockdown has seen a significant reduction in accidents, there has been an increase in the number of serious and catastrophic accidents caused by excessive speeding (including stunt driving) and, at times, driving while impaired. Incidents of stunt driving have increased dramatically since the pandemic, with the OPP often reporting on social media young drivers clocking speeds of 150 to 250 km/h on highways and roadways…
LAT Stats: Market Share vs. LAT Applications and Decisions
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?
