As an aside, care to know why insurers would prefer the LAT over the Courts? Firstly, it costs an accident victim $100 to apply to the LAT. FSCO applications were FREE for accident victims under the old regime. Secondly, there are NO COSTS awarded to the losing party. An insurer can act with a wanton disregard for an accident victim’s rights in only in the most rare of circumstances will the LAT make a costs award against them for having acted wrongly