Author Archives: Admin2

November 7, 2019

Link for Draft Priorities and Budget at the bottom open to consumers – see pages 17 – 25

 
Comments Due Date: November 18, 2019

The Financial Services Regulatory Authority (FSRA) is launching a consultation period for its draft statement of priorities and budget.

The draft 2020-2021 priorities build upon the targets in the 2019-22 Business Plan where we focused on burden reduction, regulatory effectiveness and protecting the public interest.

Public and stakeholder input is being sought from October 24 – November 18. Your feedback can be submitted by selecting “Submit a comment or ask a question.”

Useful Links

Financial Services Regulatory Authority Ontario Act
Draft F2020-21 FSRA Priorities and Budget

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What is the Motor Vehicle Accident Claims Fund?

The Motor Vehicle Accident Claims Fund (“MVACF”) is a fund established by the Ontario government to provide compensation to people injured in motor vehicle accidents. The MVACF is a payor of last resort, which means you can only receive compensation through the fund if there is no insurance coverage available. 
 
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Decade-long fight over accident benefits nearing conclusion

Eleven years after he was hit by a car and severely injured, the Ontario Superior Court has ruled in an injured man’s favour, in a saga of appeals the man’s lawyer says highlights the problems of Ontario’s old dispute resolution process. 
 
 
for more info on the Waldockcase: http://www.fairassociation.ca/?s=waldock
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Court of Appeal rules Ontario insurance policy applies to B.C. accident

Lex loci delicti – law of the place where the event occurred – does not apply to the interpretation of an Ontario contract or statute governing entitlement to insurance, a recent Ontario Court of Appeal decision confirms. 
 
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A federal ban on unexplained objections to potential jurors, enacted after a defence lawyer appeared to use the legal tactic to keep Indigenous people off a jury in a high-profile case, has been struck down by an Ontario judge. The ruling highlights the potential for chaos in jury trials across the country, now that the selection process has become an unsettled area of law. 
 
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Dependency claim can improve settlement in wrongful death

If someone dies in an auto accident due to the actions of another driver or the failure of the municipality to maintain the road, dependants can make a claim under the Family Law Act, for loss of care, guidance and companionship, but in the right case compensation should not be limited to those heads of damages, says Barrie-area personal injury lawyer Steve Rastin
 
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Thoughts About Self-Regulation in the Public Interest 

It is no secret that that self-regulation can be compromised by the tension between the public interest and the interest of the regulated profession[i]. This tension leads some to say that self-regulation is inherently flawed and should come to an end. 
 
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Help line launched for Ontario family caregivers as survey shows increase in stress

TORONTO – Family caregivers in Ontario now have a help line if they’re needing respite, a support group or information on issues including tax credits. 
 
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A new treatment for Spinal Cord and Brain Injury administered with and ‘Epipen’ injection

Nature World News reported this week about a new treatment for brain injury (concussion and TBI) and spinal cord injury. The treatment relies on injected nanoparticles that ‘reprogram’ the bodies immune response to the injury thereby reducing swelling and stopping damage to the brain and nerves.  
 
 

November 5, 2019

List of FSRA SAC participants (new) https://www.fsrao.ca/industry/auto-insurance-sector/stakeholder-advisory-committee-property-casualty-pc-insurance

List of Ad hoc Industry Advisory Groups Current Members As of June 4, 2019
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Settlement of Class Action About The Personal Insurance Company

TORONTO, Oct. 28, 2019 /CNW/ – A national class action has been certified on consent against The Personal Insurance Company, and the Ontario Superior Court of Justice has approved a settlement of that proceeding. The plaintiff, Mr. Haikola, alleged that The Personal had failed to comply with an implied term of its contractual obligations to its insureds, when The Personal accessed its insureds’ credit scores as part of its claims management process when its insureds made claims under their automobile insurance policies. 
 
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Ellen Roseman: Insurance is personal finance’s blind spot

The federal government has been on a mission to improve your financial literacy ever since the 2008 financial crash.

To be financially literate, you need to know how to track your expenses, use credit wisely, comparison shop, save for the future, invest prudently and protect yourself from scams.

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CLHIA: Many Canadians falsely believe benefits fraud is not a crime

Following recent news around workplace benefits fraud, the Canadian Life and Health Insurance Association (CLHIA) has published a new advisory which warns that many Canadians do not fully understand the ramifications of benefits fraud. 
 
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Smartphones can be more deadly than impaired driving, data suggests

In recent years, distracted driving fatalities have surpassed those caused by impaired driving in some parts of Canada, according to data from the Traffic Injury Research Foundation (TIRF). In Ontario alone so far this year, provincial police report that distracted driving has accounted for 44 fatalities while impaired driving has led to 34 deaths.
In addition to the deaths and injuries, the number of collisions related to distracted driving that include other things like eating, applying makeup or fiddling with the radio while behind the wheel — is pushing up the price of auto insurance across the board. Some Canadians say they’ve even been denied comprehensive and collision insurance because of a distracted driving conviction. 
 
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OCF-19 Application for Determination of Catastrophic Impairment

People who have been very very very seriously hurt in a motor vehicle accident need to know the ins and outs of the OCF-19 Application for Determination of Catastrophic Impairment Form. 
 
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Top court won’t review amputee’s bid for military disability benefits

OTTAWA — A decorated military officer who suffered serious injuries in a car accident won’t get a chance at the Supreme Court of Canada to argue her case for disability benefits. 
 
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Survey Repudiates Canada’s Pain Care Policies   

A recent survey by the Chronic Pain Association of Canada (CPAC) demonstrates all too well that our Canadian neighbors are sharing in the misfortune of America’s man-made crisis in pain care. 
 
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Hope for patients with traumatic brain injury

Every year, more than 1.7 million people suffer a traumatic brain injury (TBI), most of them from falls and car accidents. About 288,000 of those people are hospitalized, and 50,000 of them die. Now, imagine that every potential TBI victim receives an injection as soon as they arrive at the emergency department. The injection not only prevents brain inflammation, but it dramatically reduces the odds of long-term effects. 
 
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Fordjour v. Royal and Sun Alliance Ins. Co. of Canada, 2019, 2019 ONSC 6268 (CanLII), <http://canlii.ca/t/j34kw  

[4]               Ms. Fordjour’s family physician, Dr. Saito, was a central witness in Ms. Fordjour’s case.  At the hearing, the Adjudicator ruled that Dr. Saito could not give opinion evidence.  This ruling was wrong:  see: Westerhof v. Gee Estate2015 ONCA 206 (CanLII).  This ruling undermined the Adjudicator’s assessment of Dr. Saito’s evidence and led the Adjudicator to disallow admissible evidence:  it infected the fact-finding process.

[5]               On reconsideration, LAT found that this error was corrected when the Adjudicator was persuaded that Westerhof would ground opinion evidence from Dr. Saito.  This conclusion is unreasonable.  Evidence had been excluded on the basis of an erroneous ruling and the Adjudicator did not reopen the evidence to hear the opinion evidence from Dr. Saito.

[9]               On reconsideration, LAT concluded that the causation analysis was “implied”.  We find that this conclusion is unreasonable.  Crucial factual findings were not made on the causation issue.  The test for causation (set out in this court’s decision in Sabadash v. State Farm2019 ONSC 1121 (CanLII)) and an analytical approach to applying that test (such as that set out in the Court of Appeal’s decision in Heath v. Economical Mutual Insurance Co.2009 ONCA 391 (CanLII)) were not stated.  Nor is there a basis to infer that the proper test and analysis were applied.

[10]           Reasons are not to be subjected to a minute analysis, but in this case the failure of the reasons renders them insufficient.  We cannot be satisfied that the proper test was applied or that the factual findings were made to support the decision.

[11]           The appeal is allowed.  The decisions below are set aside and the case is remitted back to LAT for a new hearing before a different adjudicator.

October 31, 2019

Settlement of $2.25 million approved in breach of PIPEDA case 

On October 16, 2019, the Ontario Superior Court of Justice approved a settlement in Haikola v. The Personal Insurance Company2019 ONSC 5982. The case arose out of a complaint that the insurer was inappropriately collecting credit scores as part of a fraud detection process for evaluating accident benefit claims. The settlement of $2.25 million is likely to result in a payment of between $150 to $180 per affected individual, after deducting class action counsel fees and administrative charges. 
 
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LSO releases 2019 discipline statistics

There was a slowdown at the beginning of 2019 in the number of lawyers and paralegals before the Law Society Tribunal, according to a Law Society of Ontario report released on Oct. 24.  
 
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Convocation – Tribunal Committee Report

Ongoing collection and reporting of Tribunal operational statistics assists the Tribunal to track issues, identify needs and monitor emerging trends in Tribunal proceedings. This enables the Committee and Convocation to make policy decisions with a more fulsome understanding of the Tribunal’s work.
 
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Refusal to accept reasonable offer results in double costs

This recent costs hearing referenced as Godbout v Notter, 2019 BCSC 1481 (CanLII) is an example of when an insurance company allegedly takes advantage of the difficult financial circumstance of the Plaintiff by refusing to make or accept a reasonable offer, the strategy being that the difficult circumstance the Plaintiff is in will force them to accept a low-ball offer. 
 
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Dependency claim can improve settlement in wrongful death

If someone dies in an auto accident due to the actions of another driver or the failure of the municipality to maintain the road, dependants can make a claim under the Family Law Act, for loss of care, guidance and companionship, but in the right case compensation should not be limited to those heads of damages, says Barrie-area personal injury lawyer Steve Rastin
 
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Brampton couple shocked after major car insurance increase

TORONTO — The Zaum family say they know residents of Brampton pay some of the highest insurance premiums in the country, but they still thought their last renewal notice was a mistake. 
 
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Should I talk to my insurance company about my personal injury or long term disability case?

You may hear some personal injury lawyers tell you that under NO CIRCUMSTANCES should an injured accident victim or disability claimant ever speak with an insurance adjuster about their case. 
 
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CFCJ Newsletter

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Entraining the Brain the Audiovisual Way to Treat Concussion

My first encounter with audiovisual entrainment (AVE) was in a psychologist’s office. He handed me a pair of what looked like goggle-sized mirrored sunglasses (the Omniscreen) with a translucent plastic screen covering the inside of the glasses, behind which lay LED lights, four to each lens. He then handed me a pair of headphones. 
 

October 29, 2019

Ontario auto regulator: What does it mean to “pay too much?”

With all sides seemingly in agreement that auto insurance in Ontario needs a joint effort to get back in shape, the province’s regulator is poised to make it happen. And this requires a review of how much the auto product should cost, in a perfect world. 
 
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Canada: Improving Catastrophic Changes For The Most Vulnerable Victim Community

The automobile insurance system in Ontario has undergone a series of changes within the past few decades as a result of various efforts by different governments. Each reform has brought a temporary drop in the cost of auto insurance, however, none have been effective in the long run. The Ford Government is working on a plan to reduce the cost of auto insurance for the public and to make the claims process more affordable and accessible for Ontario drivers. 
 
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$2.2-million credit score class action settlement with The Personal approved

A $2.2 million settlement of a class-action privacy lawsuit against The Personal has been approved by a judge, plaintiffs’ law firm Waddell Phillips Professional Corporation announced Monday. 
 
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Ontario Has Announced Significant Changes to Rule 76 Simplified Procedures Action

The Province of Ontario announced major changes to Rule 76 Simplified Procedures Action. The changes which take effect January 1, 2020, will have a significant impact on the litigation of personal injury matters that do not involve threshold issues. 
 
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Striking a jury notice / “wait and see” approach – ONSC

Having the right to a trial by jury is a substantive right and applying to court to strike a jury notice is not an easy application.  Cogent reasons must be presented to succeed in such an application. 
 
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LSO releases 2019 discipline statistics

There was a slowdown at the beginning of 2019 in the number of lawyers and paralegals before the Law Society Tribunal, according to a Law Society of Ontario report released on Oct. 24.  
 
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Court clarifies motor vehicle accident mediation rules

A court ruling which clarifies who pays for mediation in motor vehicle accident claims is a “small victory” for plaintiffs, Ottawa personal injury lawyer Joseph Doris tells AdvocateDaily.com
 
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ICBC faces $400-million hit after court overturns limits on medical experts in lawsuits

VICTORIA — B.C.’s New Democrat government is scrambling to deal with the ramifications of a court ruling that struck down a key part of its auto insurance reforms and could blow a hole in the provincial budget. 
 
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‘Catastrophic’ ICBC fallout if B.C. loses looming court challenge

Last spring, the province brought in major changes to the B.C. auto insurance industry, meant to curb ongoing steep losses at the Insurance Corporation of B.C., but trial lawyers launched two challenges to the reforms. 
 
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How I graduated from university after my TBI

Out of nowhere things can change and make you feel as though everything you’ve worked so hard for doesn’t matter. That happened to me the summer before my last year of university when I was struck by a car, as a pedestrian, on my way to work. 
 
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Simplified procedure is moving to $200,000 as of January 1, 2020 for claims between $35,000 and $200,000 and there will be no juries allowed for these trials, one week maximum trial length and limited costs recovery
 

Law Document English View

 

(2) Subrule (1) does not apply in the case of an action that was commenced before January 1, 2020.

11. (1) Paragraph 2 of subrule 76.13 (2) of the Regulation is amended by striking out “$100,000” in the portion before subparagraph i and substituting “$200,000”.

(2) Subrule 76.13 (7) of the Regulation is amended by striking out “$100,000” and substituting “$200,000”.

(3) Subrule 76.13 (8) of the Regulation is amended by striking out “$100,000” and substituting “$200,000”.

(4) Subrules 76.13 (10) and (11) of the Regulation are revoked and the following substituted:

Transition

(10) In the case of an action that was commenced on or after January 1, 2002 and before January 1, 2010, subrules (2), (7) and (8) apply as if “$200,000” read “$50,000”.

(11) In the case of an action that was commenced on or after January 1, 2010 and before January 1, 2020, subrules (2), (7) and (8) apply as if “$200,000” read “$100,000”.
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 Is this your lawyer?
 
 Law Society Tribunal Hearing Division Notice of Application – Conduct
 LSO v Thomas Michael Harris File #19H-123
 

October 24, 2019

The Personal Insurance Company pays $2,250,000 to settle a class action with its insured over privacy breaches in Haikola v The Personal Insurance Company, 2019 ONSC 5982. 

Insured by The Personal Insurance Company under a valid automobile insurance policy between January 2012 and May 2019? Did you consent to the collection and/or use of your credit score to combat fraud?

Excellent article about this privacy breach from Tom Blackwell at National Post. What the federal privacy watchdog did after an insurer pried into crash victim’s credit rating http://ow.ly/8IV030awPei  

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Car Insurance 101: A Brief Guide

If you’re a driver, you must be aware of the fact that accidents will happen. For that reason, car insurance is necessary to keep your finances safe and sound. 
 
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You’ve been injured and it’s someone else’s fault – Now what? How do you find a personal injury lawyer?

You’ve been injured in an accident and it’s someone else’s fault. What now? You’ll need a personal injury lawyer working for you to help you get the compensation you deserve. But how do you find one that is good and experienced? You ask friends, co-workers and neighbours. From there it’s up to you to do your due diligence. 
 
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Clients want lawyers to stop ignoring emails and phone calls

Canadian legal technology company Clio did the survey with a research firm and found that when 1,000 firms were contacted about a potential client, 60 per cent of firms did not respond by email. Out of 500 firms contacted by phone, more than half still hadn’t responded to a voice mail after 3 days. 
 
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Doug Ford’s cuts to Ontario’s administrative tribunals set back justice

In September 2019, Ontario’s top judges made waves when they commented on recent legal aid cuts made by Doug Ford’s cost-cutting government. But that criticism is only a snapshot of where the Ontario justice system is headed: disaster. 
 
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$70,000 Non-Pecuniary Assessment For Low Back Injury With Nerve Root Irritation

In today’s case (Suc v. Skelton) the Plaintiff was involved in a 2013 collision that the Defendant admitted fault for.  The crash caused a bulged disc in the Plaintiff’s low spine which contacted his nerve root at L5-S1.  His prognosis for recovery was poor.  The injury caused significant limitations in the types of activities the Plaintiff could participate in.  
 

October 22, 2019

Coverage not premiums should be primary focus for drivers

“It starts with giving drivers more options when deciding which auto insurance coverage suits their needs, and gives them more control over their rates,” Fedeli said during his budget speech at Queen’s Park. “We will make it easier and faster for insurance companies to offer drivers new discounts and coverage options that were not previously available.” 
 
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Trial delays in personal injury disputes add insult to injury

Across Canada, trial wait times are plaguing the personal injury field, and plaintiff’s and insurance-defence lawyers are lamenting the many years it takes to close files. 
 
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All About Independent Medical Exams

Lots of things come with insurance claims: paperwork, lawyers – and independent medical exams (IMEs). Learn what comes with an independent medical evaluation (IME), including what to say and what NOT to say. 
 
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What your car knows about you — and what it’s telling others

Many drivers may not know it, but the latest in connected car technology in their new ride isn’t just improving their comfort and safety. It may also be logging — and sharing — data from each journey.  
 
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Doored? Cyclists Injured by Cars can access Benefits and Compensation

Cycling in the city can be great. It’s often faster than public transit or driving, environmentally friendly, and it can do wonders for your fitness. Unfortunately, when it comes to navigating traffic and parked cars, it can also be very dangerous. 
 
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MANDEL: Judge throws book at Toronto pharmacist dispensing harm

Convicted fentanyl-peddling pharmacist Shereen El-Azrak was hoping the Newmarket judge would take pity on her being a single mom with a rare disease and give her a suspended sentence. 
 
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Should doctors restrict patients to a single issue during an appointment?

This has become a rather hot topic recently. It’s a question I hear from doctors and patients alike. There are so many factors to consider that it arguably becomes impossible to answer. In fact, the best answer may indeed be: “It depends.” 
 
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Cortisone injections for hip and knee pain are more dangerous than was thought   

The anti-inflammatory jabs are used by athletes to mask pain, and to treat symptoms of osteoarthritis.

But the study by Boston University School of Medicine found that the treatment could speed up a joint’s disintegration and force patients to have total knee or hip replacements.

October 17, 2019

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15 Things Only A Crash Survivor Can Tell You

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Canadian insurance industry still at risk from mega-catastrophe, study warns

The federal government needs to take action to shore up Canada’s insurance industry against systemic risks that could leave the sector vulnerable to collapse in the event of a mega-catastrophe, says the co-author of the latest research into potential fallout from major disasters such as earthquakes. 
 
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Man shocked he had to pay OHIP for hospital stay after winning lawsuit

An Oakville, Ont. man, who won a lawsuit for a slip-and-fall accident, says he is shocked that he had to pay $55,000 for his lengthy hospital stay. 
 
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Ontario man suing prison guard after alleged assault caught on camera in prison parking lot

Paul Saliba believes he would have been charged for assaulting a corrections officer after an incident in a prison parking lot in 2017 if it weren’t for security footage of the incident that shows he never touched the prison guard. 
 
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Nearly a year after legalization, many police forces slow to use new THC blood charges for impaired driving

OTTAWA —  New and controversial criminal charges that allow police to charge drivers based on THC levels in the blood are off to a slow start in most parts of the country, provincial data shows. 
 
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Determined Catastrophic but denied future benefits
 
Applicant v. TD Insurance, 2019 CanLII 94124 (ON LAT), <http://canlii.ca/t/j2rwn

[1]           This request for reconsideration was filed by the applicant, [the applicant]. It arises out of a decision in which I found [the applicant] catastrophically impaired[1] on the basis that he sustained a marked impairment under the mental and behavioural category of the Guides.[2] I determined that [the applicant] was not entitled to post-104 income replacement benefits, or to attendant care, housekeeping and home maintenance benefits. While I did find [the applicant] entitled to a pre-104 income replacement benefit, I found it was offset by TD’s claim for repayment and therefore not payable. A number of medical and rehabilitation benefits were also the subject of the 10-day in-person hearing, however the parties were able to settle these issues prior to the release of the decision.

[2]           Despite my finding that he sustained a catastrophic impairment because of the accident, [the applicant] submits that I made significant errors of law and fact that directly affect the outcome of the decision. First, [the applicant] submits that I erred in not awarding post-104-week income replacement benefits. Second, he submits that it was an error to deny him attendant care benefits and to deem them not incurred. Third, he argues that it was an error to deny the housekeeping and home maintenance benefit. Fourth, [the applicant] argues that it was an error to find no basis for an award under s.10 of O. Reg. 664 enacted under the Insurance Act.

[3]           [The applicant] requests the Tribunal reverse my decision on the denied benefits and award all the benefits outlined above. Pursuant to Rule 18.1 of the Tribunal’s Common Rules of Practice and Procedure, I have been delegated responsibility to decide this matter.

RESULT

[4]           [The applicant]’s request for reconsideration is dismissed.   

ANALYSIS

[5]           The grounds for a Request for Reconsideration are contained in Rule 18 of the Tribunal’s Common Rules of Practice and Procedure.  A request for reconsideration will not be granted unless one of the following criteria are met:

a)   The Tribunal acted outside its jurisdiction or violated the rules of natural justice or procedural fairness;

b)   The Tribunal made a significant error of law or fact such that the Tribunal would likely have reached a different decision;

c)   The Tribunal heard false or misleading evidence from a party or witness, which was discovered only after the hearing and would have affected the result; or

d)   There is new evidence that could not have reasonably been obtained earlier and would have affected the result.

October 15, 2019

Court of Appeal affirms supremacy of Licence Appeal Tribunal

The Ontario Court of Appeal confirmed the exclusive jurisdiction of the Licence Appeal Tribunal for claims about statutory accident benefits, tossing an appeal from an injured person pursuing her insurer for breaching duty of good faith. 
 
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What Most People Forget About Car Insurance

If you are like most Ontarians, your monthly automobile insurance premiums have increased from last year. As you already know, every month we pay premiums to an automobile insurance company in exchange for a policy of insurance. We do that because the Compulsory Automobile Insurance Act states that every owner of a motor vehicle driven on the road must ensure their vehicle is insured under a contract of automobile insurance. 
 
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Delays plaguing personal injury class actions

The Law Commission of Ontario recently released a report evaluating the effectiveness of the Class Proceedings Act and found that delays are plaguing the process. 
 
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Think twice before you hand your phone to police to show auto insurance, experts say

Ontario drivers should think twice about handing over their unlocked phone to a police officer to show electronic proof of insurance, privacy experts say. 
 
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Car accident deaths are up due to lack of seat belt use – Buckle up

The OPP have launched a new seat belt campaign throughout Ontario as they report a twenty per cent increase in seat-belt deaths. 
 
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Ontario drivers still baked behind the wheel: study

An estimated 1.2 million Ontario drivers have gotten behind the wheel and driven high after consuming cannabis in the first year since pot was legalized, a new study shows. 
 
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Fatality Claims in Ontario can be confusing

Many of the fatality claims that we see come as a result of a motor vehicle accident (car vs. car, car vs. truck, bike vs. car; pedestrian vs. car; motorcycle, etc.). Thousands of pounds of steel, metal, aluminium in the form of a motor vehicle travelling carelessly at high speeds will cause devastating and fatal injury. 
 
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Critics claim ICBC is making it difficult for private insurers to enter BC’s auto market

With the Insurance Corporation of British Columbia (ICBC) continuing to draw criticism for its monopoly on the province’s auto insurance market, critics are now claiming that the Crown company is purposefully making it difficult for private auto insurers to open shop in the area. 
 
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Tories propose changes to ambulance and 911 services 
 
The Ford government is proposing major changes to how the ambulance and 911 service works in Ontario. Richard Southern with why 911 operators may now be able to decide whether or not to send you an ambulance. 
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Partner of Ottawa man with brain injury says he faces ‘inhumane’ wait for specialized care

The family of an Ottawa man who suffered a brain injury last summer is concerned it could be months, even years, before he gets the treatment they say he needs. 
 

October 10, 2019

How You’re Victimized Twice When You’re in a Car Accident in Ontario

Every day, in the province of Ontario, hundreds of drivers are injured in car accidents. In many cases, these unfortunate individuals suffer serious losses that impair their ability to live a normal life or earn a living to support themselves and their families. Usually, the person driving the other vehicle which causes the accident does not intend to negatively impact anyone’s life, but the fact remains, through either negligence or misconduct such as drinking and driving or texting, they are victimizing the person that they hit. What many Ontarians, don’t realize, however, is that, in this province, you are actually victimized twice when you are in a car accident. 
 
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How many brokerages have been bought in the past week?

The trend in brokerage mergers and acquisitions (M&A) remains strong with no sign of abating, as three large brokerages scooped up no less than eight firms in the past week. 
 
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IBC-sponsored campaign for BC auto insurance competition gains new ally

Driving Choice, the campaign that looks to open up British Columbia’s basic auto insurance market to more competition, has revealed it has gained a new ally – in the form of the Canadian Federation of Independent Business (CFIB). 
 
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Does medical malpractice liability model need fixing?

It’s been more than a year since Justice Stephen Goudge released his report to Ontario’s Ministry of Health and Long-Term Care resulting from his Medical Liability Review, making recommendations aimed at addressing rising damages in medical liability cases and improving the efficiency and timeliness of the medical liability system. 
 
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Reversal of provincial welfare cuts hailed as victory for municipalities and advocates

Legal aid clinics, anti-poverty advocates and municipalities are declaring victory in the wake of the Ford government’s decision to roll back a provincial welfare cut to some of the province’s most vulnerable children. 
 

October 8, 2019

Supreme Court agrees auto insurance companies can’t retroactively rescind contracts

Canada’s highest court has upheld a lower court’s ruling that auto insurance providers can’t retroactively rescind insurance policies without just cause and at least 15 days notice. 
 
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Victims of incompetent lawyers get payout after probe found gap in compensation system

A man who lost hundreds of thousands of dollars because of a negligent lawyer has finally received partial compensation years after winning a court judgment that has proven unenforceable. 
 
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Legislature didn’t intend tribunal and court to determine same questions, grant different relief

Insured was injured in car accident. Insured alleged that insurer was liable to pay Statutory Accident Benefits and had showed bad faith, negligence, and fraud. Insurer submitted that legislation prevented insured from pursuing claim but did not bar independent claim for bad faith in administration of accident benefits. Insurer successfully moved to strike statement of claim on ground that it disclosed no reasonable cause of action. 
 
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SABS Priority Disputes 101: Help!

It’s a Friday afternoon before a long weekend, of course, and you’ve just received a potential SABS priority dispute. A new Application for Accident Benefits arrives on your desk and the claimant alleges that she was in your insured’s vehicle at the time of the accident. Not surprisingly, you have no record of her under your insured’s policy. 
 
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Medical Records & Personal Injury Cases go hand in hand like….

Sand castles are built of sand.Log cabins are build of wood.Large office towers and built of concrete, steel and glass.
And personal injury and long term disability cases are built of medical records!
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The Medical Legal Expert

I represent injured and disabled people in legal cases. A necessary part of any legal action involving an injured person is the medical legal expert. These are doctors and other medical professionals who provide expert evidence about an injured person’s impairments, limitations, cause of impairments and future prognosis. Medical legal experts are paid privately and not through OHIP or some other government funding. 
 
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Get advice from experienced counsel after a fatality: Rastin

If someone dies in an auto accident due to the actions of another driver or the failure of the municipality to maintain the road, remaining family members should retain experienced legal counsel to build a claim for compensation, says Barrie-area personal injury lawyer Steve Rastin.

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‘Underinsured coverage’ on personal vehicles does not apply to on-job accidents, court rules

The Ontario Court of Appeal has ruled that drivers injured in motor vehicle accidents while on the job cannot access “underinsured coverage” under the insurance policies on their personal, domestic vehicles. Counsel involved in the decision said this case “involved a situation which had not previously been litigated in terms of whether or not specific exclusions in the standard form automobile policy import over to the OPCF 44 Underinsured Endorsement.” 
 
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Immigration consultants and trucking firms with sketchy safety records have found ways to exploit foreign job seekers, sometimes with tragic results when unprepared drivers are sent out on the road, a Globe investigation finds 
 
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What is a Betrayal Trauma?
What is Betrayal Trauma Theory? 

The phrase “betrayal trauma” can be used to refer to a kind of trauma independent of the reaction to the trauma. From Freyd (2008)Betrayal trauma occurs when the people or institutions on which a person depends for survival significantly violate that person’ s trust or well-being: Childhood physical, emotional, or sexual abuse perpetrated by a caregiver are examples of betrayal trauma.