Automobile 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…

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…

Construction Zone Accidents

In Canada, spring weather inevitably brings construction season along with it. Road construction dominates the streets in the warmer months. For drivers, this can cause complications beyond annoyance. Thousands of motor vehicle accidents each year occur in construction zones.