The battle lines are clearly drawn between The Industry and The Stakeholders, but who is manning the barricades? Leading the charge for the insurance industry is the Insurance Bureau of Canada (IBC), one of the savviest and best-financed lobby groups in the country. On the other side are the Ontario Trial Lawyers Association (OTLA), representing lawyers who negotiate and litigate for accident victims, and the Fair Associations for Victims of Accident Insurance Reform (FAIR), the victims’ lobby group.