• FAIR – supporting auto accident victims through advocacy and education
  • FAIR – supporting auto accident victims through advocacy and education
  • FAIR – supporting auto accident victims through advocacy and education

Latest News Articles

January 14, 2019

EDITORIAL: Auto insurance review long overdue

Consumer groups like FAIR (Fair Association of Victims for Accident Insurance Reform) say this means accident victims have to hire their own lawyers and medical experts to counter their own insurance companies’ lawyers and medical experts, eating up billions of dollars that should be spent on treating and rehabilitating accident victims.
 
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Auto insurance companies in Ontario just jacked up their rates big time

Auto insurance companies have raised their rates an average of 3.35% in the fourth quarter of 2018, based on rate approvals from the Financial Services Commission of Ontario (FSCO). FSCO is responsible for regulating auto insurance in the province. 
 
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Insurance firm’s treatment of van-attack victim is shameless

The insurance company is quoted as saying: “AIG is deeply concerned for all the victims of this tragedy and we take our responsibilities very seriously … we adhere to processes mandated by the Financial Services Commission of Ontario.” 
 
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Class action lawsuit alleges insurance companies breaking the law and the province doing nothing to stop them

Right after it happened, Bill Elliott says it felt like someone “whacked me across the neck with a baseball bat.”

But the pain hasn’t gone away in the two years since the taxi cab he was driving was hit by a car running a red light at a North Bay intersection in 2016.

https://www.cbc.ca/news/canada/sudbury/car-insurance-class-action-lawsuit-northern-ontario-1.4953729

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Bus driver in deadly Ottawa crash alleged to have been in another collision days before

Multiple transit supervisors expressed concerns about Aissatou Diallo’s suitability as an OC Transpo bus driver after two collisions on the road prior to Friday’s fatal crash at Westboro station, this newspaper has learned. 
 
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Service Providers 2017/2018 Market Conduct Compliance: Examination Results

This report summarizes FSCO’s findings from the 190 on-site examinations and 106 desk reviews conducted during fiscal year 2017/18 (April 1, 2017 – March 31, 2018). This report also sets expectations, accountability and compliance requirements that govern the industry and help protect consumers.

 
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Applicant repeatedly submits treatment plans with no supporting medical evidence – Injuries fall within MIG – 17-005134 v Aviva General, 2018 CanLII 76417 (ON LAT)

On December 22, 2015, the applicant was driving when he was hit by another car emerging from a driveway of a plaza.  The applicant returned to work within a week following the accident, working regular hours but with modified duties. The applicant sought benefits from Aviva pursuant to the SABs. 
 
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Case law on social host liability continues to evolve

More than a decade on from a landmark Supreme Court of Canada decision that opened the door to social host liability, insurance lawyers are still waiting for a decisive step forward in the case law. 
 
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Mandel v. Fakhim, 2018 ONSC 7580 (CanLII), <http://canlii.ca/t/hwpw0  

[56]           Second, in my view the supposed purpose of civil jury trials suggested by Justice Myers, together with any corresponding suggestions of inherent injustice supposedly inflicted by the civil jury system, fly in the face of repeated indications by the Supreme Court of Canada and our own Court of Appeal that civil jury trials ensure our system of justice benefits from the “wisdom of … collective life experience”, “a healthy measure of common sense” and a “reflection of societal values” that jurors bring to trials, and that “one of the strengths of the jury system is that it keeps the law in touch with evolving realities, including financial realities”.  I do not think those appellate statements, emphasizing the true purpose and contributions to justice of the civil jury system, should or can be effectively dismissed as some form of sham or meaningless verbiage.  To the contrary, those appellate views are binding on the judges of this court.  Moreover, the wisdom and accuracy of those appellate views seems readily apparent when one considers precedents dealing with motions to strike jury notices extending decades into the past; precedents which seem to suggest periods when such motions were brought predominantly by defendants, and other periods, (including the experience of recent years), wherein such motions have been brought primarily by plaintiffs.  If defendants and plaintiffs, over time, successively perceive their preferences to be out of step with current jury verdict trends, (i.e., because jurors appear to be giving expression to an outlook on underlying realities and society values not favoured at the time by defendants or plaintiffs, as the case may be), one legitimate inference is that the civil jury system is not broken but instead working as intended.

[57]           Third, I do not think the comments of Justice Myers were meant to suggest that insurers were somehow cynically intent on using the jury system to work injustice, as opposed to choosing the mode of trial they thought most likely to result in true justice in particular cases.  In any event, to the extent the comments of Justice Myers have been perceived to have that meaning by plaintiff counsel, I disagree with them.  Appellate courts repeatedly have emphasized that trial judges should not permit counsel, in submissions to a jury, to demonize or impugn a litigant’s motives or morality, as such considerations lead to flawed and prohibited reasoning.  In my view, judges should not engage in any similar process or reasoning in relation to an insured defendant’s filing of a jury notice, in the absence of clear evidence to support accusations of wrongful intent.

[58]           Fourth, and more generally, to the extent the comments of Justice Myers suggest that chronic pain claimants are incapable of receiving a fair and favourable verdict from a jury, (including substantial damage awards in appropriate cases, where the subjective claims of a plaintiff are found to be credible), that is not my view or experience for the reasons outlined above.

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S. M. T. c R. C., 2018 CanLII 103928 (ON HPARB), <http://canlii.ca/t/hvx42 

1.           It is the decision of the Health Professions Appeal and Review Board to return the decision to the Inquiries, Complaints and Reports Committee of the College of Occupational Therapists of Ontario as unreasonable, and to require it to reconsider its decision to order  S. M. T. (the Applicant) to complete a Specified Continuing Education and Remedial Program (“SCERP”). The terms of the SCERP are as follows:

The provisions of the SCERP designed for [the Applicant] are to be completed within three months of the conclusion of the complaints review process and include the submission of a reflective essay of approximately 1,500 words to the satisfaction of the Registrar. In this essay, the panel expects [the Applicant] to reflect on the Colleges Standards for Occupational Therapy Assessments and in particular the importance of ensuring that information contained in the occupational therapy assessment report is thorough, that it accurately reflects a claimant’s functional abilities and that it is supported by objective measures.

In addition to reflecting on what steps [the Applicant] has taken to educate herself on how to properly document the steps taken to reach an overall conclusion in an assessment report, the reflective essay to be prepared by [the Applicant] should explain how to properly perform active and passive range of motion, and strength testing.

2.           This decision arises from a request made to the Health Professions Appeal and Review Board (the Board) by S. M. T., OT to review a decision of the Inquiries, Complaints and Reports Committee (the Committee) of the College of Occupational Therapists of Ontario (the College). The decision concerned a complaint by R. C. (the Respondent) regarding the conduct and actions of the Applicant. The Committee investigated the complaint and determined that a Specified Continuing Education and Remedial Program (“SCERP”), as set out above, was required. 

 

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