Full Decision In the recent decision of Cyples v. Intact, the LAT clarified the test to be met for a catastrophic impairment (CAT) finding under criterion 8, as defined in s. 3.1(1)8 of the Statutory Accident Benefits Schedule (SABS). The case involved a motor vehicle collision that occurred on October 30, 2016, and a subsequent dispute as to whether the Applicant was CAT or not. Whereas …
When a motor vehicle accident occurs that involves a borrowed car, typically the first area of concern that will arise between the parties is determining who should be held responsible; the owner or the borrower of the vehicle?
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…
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)…
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…
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…