Author Archives: Admin4

Jedean and Aviva FSCO Arbitration, 2018-01-11

The Applicant was questioned on a number of statements in Dr. Karabatsos’ report and she did not disagree with the range of motion in her back that he noted.  She testified that she can move her neck but she has pain.  She is able to bend and move her back but she has pain.  She did not mention her anxiety and sleep difficulties to Dr. Karabatsos.  He had misstated the extent of her functioning on a day-to-day basis including elements that she testified she could not in fact do.  He agreed that he knew she was on modified duties at work at the time of the assessment but chose not to include that in his report, “a simple omission on our part”.
Dr. Karabatsos did acknowledge in cross-examination that some people take longer to recover than others and some can develop chronic pain.  He testified under cross-examination that older people will take longer to recover and that pre-existing conditions can affect recovery time if the injury is to the joint itself.  The severity of the impact of the accident may also play a role and in this case he viewed the accident impact as moderate.  Further, he is familiar with chronic pain as persistent pain and to satisfy a chronic pain diagnosis there must be significant psychological sequelae.  In his experience such patients are reliant on significant medications and treatment and tend to become socially withdrawn.
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I do not accept the evidence of Dr. Karabatsos in this matter.  He specializes in lower extremities reconstruction and general orthopaedics according to his qualifications set out in his report.  He gave too little weight and regard to the fact that at the time of her assessment she was in the midst of regular treatment that provided relief from her symptoms and under prescription medication that would, if it were effective, give her relief from inflammation and pain allowing her to move more easily.  He appears to have ignored her pain complaints, that she was taking medication that would impact both her movement and her pain level, and that her functioning was compromised, i.e. he omitted to include in his report that she was on modified work duties.  He testified that in his practice his patients post-surgery have a follow-up appointment with him and a physiotherapist who instructs them on exercises to do at home and “they all get better”, an outcome many accident victims only dream of.
Also he did not have a full documentary record.  In September 2014, he assessed the Applicant about a week after the disability certificate was signed but this document was not provided to him; he was given only the Application for Accident Benefits dated August 14, 2014 and the disputed OCF-18.  He did not have and apparently was never given the clinical notes and records of the Applicant’s family doctor, all of which dating back to 2010 have now been made available together with imaging results.  At the time of Dr. Karabatsos’ assessment the Applicant was only seven weeks post-accident and had had only seven treatments which had started August 5, 2014.  She was therefore within Block 2 of the treatment under the MIG (Section 8(ii)).  The MIG contemplates that only if the insured person has achieved maximal recovery at the end of eight weeks is treatment to be stopped.  Therefore, even if the injuries fall within the MIG, the Applicant was entitled as of right to at least two more weeks of treatment under Block 2 or the full 12 weeks or 3 blocks of treatment, whereas Dr. Karabatsos seems to be of the view that even at this stage, and despite her experiencing pain in the test for range of motion, she has had “extensive” or enough treatment.
Further, while the answers to the questions at the conclusion of his report are given without qualification, in the body of his report, Dr. Karabatsos is careful to note the limitation of his expertise and to confine himself to testing the neck, upper and lower extremities and spine.  He opines only on the neck, back and shoulder injuries.  He was well aware that she suffered other injuries.  He failed to address the hand tremor which she said was made worse by the accident and pain in the temporal mandibular joint and headaches in stating his opinion on the MIG.  He did not even flag these as areas that might well be investigated by someone with the expertise to do so before Aviva drew a conclusion as to the nature of her injuries or her ability to recover under the MIG course of treatment.

FAIR letters to Colleges regarding insurer medical (IME) assessors Dec 2017

http://www.fairassociation.ca/2017/12/fair-letters-to-colleges-regarding-insurer-medical-ime-assessors-dec-2017/

Two reasons why Ontario approved increased auto rates

Increased vehicle technology and elevated auto loss ratios are among the factors contributing to rate increases in Ontario auto, Joel Baker, president and CEO of MSA Research, told Canadian Underwriter on Thursday.

https://www.canadianunderwriter.ca/insurance/two-reasons-ontario-approved-increased-auto-rates-1004126240/

Master refuses to bar Ontario lawyer from personal injury case

A master of the Ontario Superior Court has refused to remove defence counsel for an alleged conflict of interest in an unusual personal injury case.

In McCoy v. Loveday, Toronto lawyer Joel McCoy, the plaintiff in the case, tried to have lawyer Harvey Klein barred as acting as defence counsel because of conversations he had with other lawyers at Klein’s firm, Benson Percival Brown LLP.

http://www.canadianlawyermag.com/legalfeeds/author/alex-robinson/master-refuses-to-bar-ontario-lawyer-from-personal-injury-case-15214/#tab_1

Driverless cars and the irony of solving Ontario’s auto problem

As driverless cars become more popular, and as the focus of insurers gradually shifts from insuring vehicle owners to providing product liability for the manufacturers of autonomous vehicles, the Ontario government’s auto insurance reforms may finally be yielding some better results.

https://www.canadianunderwriter.ca/technology/driverless-cars-irony-solving-ontarios-auto-problem-1004126136/

Hospital Discharge After a Collision

You had a serious collision and you have been admitted to the hospital. You may be so overwhelmed with everything that is going on around you that you may have a hard time focusing when your doctor tells you it is time to take the necessary steps to discharge you from the hospital. Most people do not like staying in the hospital and although this may sound like good news to leave and recover, you should be prepared for your discharge.

http://pickinguppieces.net/hospital-discharge-collision/

Discriminating Against The Poor Is Legal. That Must Change

According to a recent survey conducted by the Ontario Human Rights Commission on discriminatory attitudes toward particular groups, people experiencing poverty received more negative evaluations than any other group. Only 39 per cent of those surveyed had “somewhat positive” feelings towards those receiving social assistance.

http://www.huffingtonpost.ca/elizabeth-mcisaac/discriminating-against-the-poor-is-legal-that-must-change_a_23330852/

MANDEL: Shameful attempts by auto insurer to fight paying a teen with catastrophic injury

It was a gotcha moment that didn’t go so well for an insurance company determined to play hard ball with a mentally ill young woman.

For 16 days — more than double the usual length of an arbitration — the lawyer for RBC Insurance, now Aviva, hammered away at S.P., insisting she wasn’t really left seriously injured after she was rear-ended in a 2010 collision when she was just 17.

http://torontosun.com/news/local-news/mandel-shameful-attempts-by-auto-insurer-to-fight-paying-a-teen-with-catastrophic-injury

FAIR letter to LSUC re how low can a defense lawyer go to save insurer $$$

 UPDATE: On January 22 2018, we did hear from LSO that they are reviewing our complaint 
On behalf of Ontario’s vulnerable and injured car accident victims who bring their insurance cases to hearings in Ontario’s justice system, FAIR asks that you investigate the behavior of Mr. Harry P. Brown as documented in the attached FSCO decision S.P. and RBC General (now Aviva) 5453. The FSCO arbitrator’s words lead us to believe that this case calls into question whether Mr. Brown’s conduct meets the standards and expectations of the LSUC/LSO and the Rules of Professional Conduct.

Signs An Insurer Is Not Negotiating A Long Term Disability Claim in Good Faith

Things don’t always appear as they seem. When it comes to disability benefits claims, an insurer must look at the facts objectively and within context. Making assumptions or judgments could seriously interfere with the outcome and lead to a decision that not only puts the insurer at risk of further liability but also prevent the insured party’s ability to obtain appropriate monthly benefits, adequate treatment and ultimately improvement.

http://www.hshlawyers.com/articles/signs-an-insurer-is-not-negotiating-a-long-term-disability-claim-in-good-faith/