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  • FAIR – supporting auto accident victims through advocacy and education

Latest News Articles

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For a complete list of recent articles, please go to our 'Media Articles' page under 'In the News'.
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March 3, 2020

A look at Ontario’s auto insurance system

Many drivers don’t know the full details of their auto insurance coverage or how it works until they have an accident. 
 
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Think you’re paying too much for Auto Insurance in Ontario?

The report by York University Schulich School of Business Professor Dr. Fred Lazar reveals that Ontario drivers continue to pay excessive auto insurance premiums in Ontario while insurers rack up billion dollar profits. 
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“The IBC represents private insurers and of course they want a slice of the pie,” Antweiler.

“Private companies want to pick up good drivers and push bad drivers into their more expensive default systems.”

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Stephen Wiseman: A doctor’s take on no-fault insurance

By now, everyone has heard of the NDP’s about-face on what it describes as the wonderful new world of ICBC no-fault insurance. Increased benefits and decreased premiums for all, says Premier John Horgan, affirming the change as almost “too good to be true.” 
 
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Tribunal Confirms that “Boilerplate” Reasons for Insurer’s Examinations Not Sufficient

Our client had applied for catastrophic impairment determination, which was denied by Aviva Insurance. Aviva scheduled insurer’s examinations, one of which was an otolaryngologist (Ear, Nose and Throat Specialist) assessment. This assessment report was received by the insurer on December 22, 2016. The day prior to that, a new Assessment of Attendant Care Needs (Form 1) was completed on the client’s behalf. Aviva denied the amount of attendant care and scheduled insurer’s examinations to determine the attendant care amount with an occupational therapist and the same otolaryngologist that the insurer had retained to complete the catastrophic assessment.

 
Applicant vs. Aviva General Insurance, 2020 CanLII 14483 (ON LAT), <http://canlii.ca/t/j5fb1
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Statutory Deductibles in Motor Vehicle Cases Explained

On January 1st of each new year, while the rest of us are making New Year’s resolutions and setting (sometime lofty) goals, the Financial Services Regulatory Authority of Ontario (FSRA, formerly the Financial Services Commission of Ontario) publishes its updated list of statutory deductibles and the monetary thresholds which negatively impact survivors of auto accidents.   
 
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Another Privacy Tort: Publicity Placing the Plaintiff in a False Light

For almost twelve years, Ontario courts have recognized torts for different types of invasion into a person’s privacy. Recently, a fourth privacy tort was adopted by the Ontario Superior Court of Justice in a family law case. As a result of Justice Kristjanson’s ruling in the case of Yenovkian v Gulian, 2019 ONSC 7279, Ontario plaintiffs are now able to advance claims for the tort of publicity which places the plaintiff in a false light. 
 
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Toronto judge slams Canadian Tire after employee tells court he won’t be paid on jury duty

During recent jury selection for a murder trial in downtown Toronto’s Superior Court, several prospective jurors said their employers had told them they would not be paid or they would receive only partial pay while performing their civic duty. 
 
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Province’s new home care legislation will require more PSWs: Home Care Ontario CEO

Ontario will need more personal support workers than it has now if plans to revamp home care medical services are to succeed, says Home Care Ontario chief executive officer Sue VanderBent. 
 
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Province’s employment plans being shipped south slammed by Niagara MPP

A low-income advocacy group located in Maine says thousands of families in the state lost their government support after a New York City-based multinational corporation was brought in to run the state’s welfare and employment services. 
 

February 27, 2020

Ford has broken his promise to fix rocketing auto insurance premiums

“Since the premier campaigned on lowering auto insurance rates, can he tell us why his auto insurance rates keep going up, just like they did under the Liberals before him?,” asked Rakocevic during question period at the Ontario legislature on Tuesday. 
 
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Aviva Canada: Public support for the fight against insurance fraud has “overwhelmingly” increased

More Canadians are supportive of efforts to combat rampant insurance fraud than before, and many have also seen the connection between fraud and increased premiums, a new survey found. 
 
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One way ICBC will reduce legal costs

The government of British Columbia has introduced legislative amendments in an effort to reduce costs and speed up motor vehicle claims in the current auto insurance system. 
 
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‘I cannot go back to work’: Legal fees eat up nearly 70% of B.C. woman’s ICBC settlement

It’s being described as the perfect example of a broken insurance system. A B.C. woman received just $70,000 out of a $243,495 settlement from ICBC.

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The Ontario Caregiver Helpline 

The Ontario Caregiver Helpline provides caregivers with a one-stop resource for information and support. Whether you are looking for respite care in your area, a support group, information about financial supports available to caregivers, as well as help navigating the health and social service systems, the helpline is here to connect you to the resources you need. 

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Financial Assistance webinar

Special guests Melissa Vigar and Laura Bellon from the Brain Injury Society of Toronto will be joining Ken to discuss various financial assistance programs, along with their application processes and best practices for best results. If you would like your family’s situation addressed or have a particular question, we may be able to answer it at the webinar. 
 
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‘No end in sight’: The lifetime commitment of caring for a loved one with a brain injury

An avid athlete, Jodi was on her way to soccer practice in south Ottawa when the vehicle she was riding in was T-boned by an SUV. The SUV slammed into the passenger door, right where Jodi was sitting, with enough force to push it in by more than half a metre.  
 

February 25, 2020

SLASTO LAT Statistics update
 
21% of decisions, or about 350 to-date involve ‘transactional activity’, specifically, where the LAT has dealt with procedural matters that may involve the parties having to go through the process more than once
 
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Secret insurance deductible

Year after year many Ontarians who have been involved in car accidents are secretly denied almost $40 000 from their pain and suffering awards. To tell us more we welcomed disability and injury lawyer, Nainesh Kotak
 
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Industry vet believes it’s time for Canada to adopt Quebec’s auto insurance model

British Columbia’s public auto insurer recently moved to a no-fault system for auto insurance, but at least one P&C industry consultant believes that all Canadian provinces (B.C. included) should instead look towards Quebec’s public-private hybrid auto insurance model for guidance. 
 
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Layoffs Loom As Ontario PCs Test Privatizing Job-Search Services

TORONTO — At least one municipality is bracing for layoffs as the Ontario government hands over control of some employment services to a private company, a non-profit and a college.

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‘A recipe for failure:’ Ford government moves to contract out employment services

The Ford government is moving forward with its plans to contract-out employment services in three areas of the province, despite calls from the official opposition that the program will be “a recipe for failure.” 
 
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Ford hires U.S. firm to push Ontarians off welfare

The newest disgrace is a for-profit welfare program quietly launched last month in Peel, Hamilton-Niagara and Muskoka-Kawartha. Adding to the shock of this is the fact the contract was awarded to an American company that will get paid for how quickly it pushes clients through the system — many of whom suffer from addictions, mental health, and disabilities. 
 
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Tales from the deep end of the poverty pool: How Ontario Works keeps ODSP from rising and what Oliver Twist might ask

Social assistance for people who don’t have disabilities has been renamed many times. Recipients were formally called ‘relief’ recipients from the 1930’s to the mid 1950’s, ‘welfare’ recipients from the late 1950’s until the 1990’s and Ontario Works recipients in the post millennial era. 
 
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The Difference Between TBI & ABI

When dealing with injured clients and medical professionals, we often hear of the terms ‘TBI’ and ‘ABI’. What do they mean? What is the difference? 
 
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Applicant v Unifund Assurance Company, 2020 CanLII 12759 (ON LAT), <http://canlii.ca/t/j5btl

[5]           In my Decision,[1] I found that CAT assessments are not considered a medical benefit and therefore their funding does not fall within the s. 18 limit of $50,000. Further, I found that the CAT assessments are reasonable and necessary.

[6]           Unifund requested a reconsideration of the Decision on the grounds that the Tribunal made an error of law or fact such that the Tribunal would likely have reached a different result had the error not been made. The criteria for reconsideration on this ground is set out in Rule 18.2 (b) of the Tribunal’s Common Rules.[2]

[7]           The respondent requests that the Decision be varied to find that the applicant is not entitled to the CAT assessments in the amount of $15,872 because the cost exceeds the s. 18 monetary limits for medical and rehabilitation benefits available for non-CAT injuries. Further, the respondent argues that the proposed CAT assessments are neither reasonable nor necessary.

[22]        The bar for granting costs is high. However, in this case the bar is met. The request for reconsideration was a frivolous request.

[23]        The respondent, represented by counsel, has failed to provide any basis to support its claim. It simply repeats arguments already heard and decided in the Decision. In addition, it alleges errors of law with no supporting argument or evidence. The respondent’s submissions appear to make no effort to meet the test for a reconsideration. When considering the powers of the Tribunal to award costs under Rule 19.5, I find that this request is frivolous and interferes with the Tribunal’s efficient and effective process in adjudicating disputes.

[24]        The amount awarded shall be nominal. The applicant requests $1500 in costs. Rule 19.6 of the Common Rules limits the amount of costs to $1000 for each full day of attendance at a motion, case conference or hearing. Given the brevity of the respondent’s submissions, I find that only a nominal amount should be granted.
 

[25]        Given the frivolous nature of the request for reconsideration, I find that it is appropriate to grant an amount for costs. Therefore, I am granting the applicant costs in the amount of $100.

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M.R. v. Allstate Insurance Company, 2019 CanLII 110112 (ON LAT), <http://canlii.ca/t/j3gn5  

[1]      The applicant was injured in a motor vehicle accident on March 18, 2015. She sought benefits pursuant to the Statutory Accident Benefits Schedule[1] (the ”Schedule”).  When some of these benefits were denied by the respondent, she applied to the Tribunal.

[2]      In a decision dated June 21, 2019, I found she was entitled to an income replacement benefit (limited to January 5, 2016 to June 3, 2017). I then denied her entitlement to an attendant care benefit, and I ordered that the applicant was unable to proceed with her application for three disputed treatment plans, on account of her non-attendance at two insurer’s examinations.

[3]      The applicant takes issue with this decision, and so she has filed a Request for Reconsideration. Specifically, the applicant is seeking an order granting her entitlement to the denied benefits, as well as an order to allow her to proceed with her application for the disputed treatment plans. In response, the respondent is asking me to uphold my original decision.

[4]      Pursuant to s. 17(2) of the Adjudicative Tribunals Accountability, Governance and Appointments Act, 2009[2], I have been delegated responsibility to decide this matter in accordance with the applicable rules of the Tribunal.

[5]      For the reasons that follow, the applicant’s Request for Reconsideration is dismissed. However, upon further review, I also find that my decision to grant an income replacement benefit from March 16, 2017 to June 3, 2017 was unreasonable.

[30]   Though I do not conclude that I made a reversible error concerning the benefit after June 3, 2017, I do find that I erred in awarding an income replacement benefit from March 16, 2017 to June 3, 2017.

[31]   In my original decision, I concluded that the applicant did not have a “complete inability” to pursue any reasonable form of employment or self-employment due to her ability to return to work with a high-end fashion store on June 4, 2017. As noted above, I stand by this reasoning. 

[32]   However, upon further review of my original decision, I noted that I did not make a specific finding made about the brief period from the 104-week mark to June 4, 2017. This failure to make a finding (and to instead award the benefit) amounted to a reversal of the applicant’s onus. That is, the applicant has an onus of demonstrating her entitlement to an income replacement benefit. By failing to make a finding, I effectively found that the respondent had failed to prove she should not be entitled to the benefit. This reversal is a significant error of law that must be addressed.

[33]   Therefore, by upholding my earlier finding that the applicant’s ability to return to comparable, pre-accident work demonstrated that she did not suffer from a “complete inability” from June 4, 2017 onwards, I then find that the brief gap in time between the 104-week mark and this return to work is strong evidence that she never met the “complete inability” standard. As such, I find that the applicant did not demonstrate her entitlement to any income replacement benefit following the 104-week mark.

[34]   The applicant’s Request for Reconsideration is dismissed. The applicant is no longer owed an income replacement benefit from March 16, 2017 to June 3, 2017, nor is she owed any interest from this period.

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Patterson v. Peladeau, 2020 ONCA 137 (CanLII), <http://canlii.ca/t/j5ckf  

[1]This appeal arises from the trial judge’s dismissal of motions to strike the jury and to declare a mistrial in a motor vehicle personal injury action: Patterson v. Peladeau2018 ONSC 2625, 80 C.C.L.I. (5th) 213. During the jury’s deliberations, the jury asked the court a question that revealed that it may have accessed inappropriate extrinsic information, namely, a statutory provision that was irrelevant and inapplicable to this case, but which, if applied, could impact the apportionment of liability.

[2]The trial judge questioned the jury foreperson, who revealed that he had found the provision on an Ontario government website on the weekend at the beginning of the deliberations, and then shared it with the other jurors. The foreperson also revealed that this was the full extent of the extrinsic information and that no other juror had accessed the internet in relation to the case.

[3]Based on these answers, the trial judge was satisfied that he did not need to question the other jurors and that this issue, while serious, could be dealt with through a correcting charge. He dismissed the appellants’ pre-verdict motion to strike the jury, as well as their post-verdict motion to declare a mistrial.

[4]The appellants now appeal to this court. They contend that the trial judge failed to conduct a proper inquiry as to what extrinsic information the jury had obtained and then failed to analyze its prejudicial effect. The appellants assert that the trial judge should have polled every juror or permitted counsel to question them.

[5]For the reasons that follow, we do not agree with the appellants’ submissions and dismiss the appeal.

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Dimech v. Osman, 2020 ONSC 1084 (CanLII), <http://canlii.ca/t/j59mx  

[3]         For the reasons that follow, I find that the defendants have not met their evidentiary burden to establish that there is no serious issue requiring a trial on the limitation period issue. Therefore, the motion must be dismissed. The limitation period will remain an issue for trial. 

[20]      The plaintiff concedes that he knew or ought to have known that his injuries were “serious” during the 37-day pre-limitation period window But, he submits, there was no indication in the medical records from that period that his injuries would be “permanent” or that they would impair an “important…function” permanently. The plaintiff argues that in the 37 days after his accident, he had not even begun rehabilitation. His injuries were still acute. He was being treated. His psychiatrist had deferred providing an assessment. He was seeing his surgeon and family doctor for ongoing treatment. He followed their advice regarding treatment and follow-up. It was too early to know if his pain would become chronic or his injuries permanent.

[37]      As the defendants have not established that there is no serious issue requiring a trial, the motion must be and is hereby dismissed. 

February 20, 2020

Ford should tackle auto insurance rip-off

There must be a shelf somewhere deep in the bowels of the Ontario government reserved for studies showing that drivers in this province pay way too much for auto insurance.

Prominently featured would be a 2017 report carried out by David Marshall, a former CEO of Ontario’s Workplace Safety and Insurance Board, for the former Wynne government

https://www.thestar.com/opinion/editorials/2020/02/18/ford-should-tackle-auto-insurance-rip-off.html

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End of road for vehicle occupant sued for negligent parenting

A defendant in a negligent parenting lawsuit cannot make a liability claim under the auto policy of the vehicle in which he and his daughter were riding as passengers. 
 
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Insurance rate increases absolutely unacceptable: NDP Critic for Service Alberta

That’s how much auto insurance rates skyrocketed by for some Albertans at the end of this year, after Premier Jason Kenney and the UCP removed the five per cent cap on rate increases that our NDP government brought in, taking a “no limit” approach to how much insurance companies could actually raise rates.
 
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Ian Mulgrew: Legal community bristling over Eby’s legerdemain

The Trial Lawyers Association of B.C. feels played by Attorney-General David Eby, considering him more like Machiavelli, the Italian political schemer, than a champion of civil rights and transparent government. 
 
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I used to own a condo in Toronto. How I ended up living in Dufferin Grove Park

As a young woman, I was a flight attendant for Air Canada. In 1990, during a layover in Zagreb, I was pushed out of an airport bus by a passenger who was rushing to catch her plane. The bus exit was several feet off the ground, and I fell, head first, onto the concrete. The impact caused severe brain damage: for years, I was unable to read and barely able to speak. 
 
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No one is safe from Canada’s third leading cause of death.

Every year, 28,000 Candians die from preventable heathcare harm. Silence plays a major role. If something about your treatment feels wrong, looks wrong or is wrong, speak up—in the moment 
 
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Brain Injury Speaks, the Stakeholder Engagement Network of Ontario

Thank you for your interest in joining Brain Injury Speaks, the Stakeholder Engagement Network of Ontario. We hope to strengthen the voice of the brain injury community across Ontario. 
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A tiny area of the brain may enable consciousness, says “exhilarating” study

In a wild new experiment conducted on monkeys, scientists discovered that a tiny, but powerful area of the brain may enable consciousness: the central lateral thalamus. Activation of the central lateral thalamus and deep layers of the cerebral cortex drives pathways in the brain that carry information between the parietal and frontal lobe in the brain, the study suggests. 
 

February 18, 2020

For-profit welfare scheme draws concerns

“Where I get worried about it, is thinking around, really, what are the goals? What are the incentive structures put in place and who will be administering this?” asked the researcher and family physician with St. Michael’s Hospital’s City Health Associates. “We know there will be private companies bidding to help administer this system. That, to me, is extremely concerning.”

DOUG FORD OPENS WELFARE FOR BUSINESS

A recent article in the Catholic Register informs us that the Ford government will run ‘a three-year pilot program in for-profit welfare in Hamilton-Niagara, Peel and Muskoka-Kawartha.’ The paper goes on to say that, “These three regions will be the forerunners of a province-wide system the government has already mapped out. Eventually, Ontario will be carved into 15 regions. In each region, municipalities, non-profits and for-profit corporations will be invited to bid through a “Request for Proposals” process to manage the caseload of clients on Ontario Works (OW) and the Ontario Disability Support Program (ODSP) in each region.”

Ontario Adopting Process to Better Connect Job Seekers in Hamilton-Niagara With Good Jobs

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EDITORIAL: Auto insurance needs an overhaul

The consumer group FAIR (Fair Association of Victims for Accident Insurance Reform) say this means victims have to hire their own lawyers and medical experts to counter their insurer’s lawyers and medical experts to get benefits for which they’ve paid.
 
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New report shows Ontario auto insurance rates jumped by 20 per cent over three years

“When you add up all the profit that [the insurance companies] are making on home insurance, commercial insurance and auto insurance in the other provinces, it still does not equal what they’re making in profit just on auto insurance in Ontario,” he explained.
 
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Two Recent LAT Cases See Special Awards Against Insurers Who Unreasonably Withheld Payment to Applicants

When an applicant has to dispute an unreasonably denied benefit in front of the Licence Appeal Tribunal (LAT), the adjudicator is able to award a special award in addition to the amount in dispute in the form of a lump sum payment of up to 50% of the amount to which the person was entitled. This power comes from section 10 of Ontario Regulation 664, R.R.O. 1990. An unreasonable denial has been interpreted by the courts to mean one that is “excessive, imprudent, stubborn, inflexible, unyielding or immoderate.”[1]
 
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Most Canadian P&C professionals would prefer a single auto insurance model nation-wide: CU poll

Most property and casualty insurance professionals across the country would like to see a single business model for auto insurance across Canada – as long as it’s the one in their home province, it seems.
 
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Self-represented litigants struggle to be heard at the Supreme Court of Canada

Supreme Court statistics show there is only a 0.23 per cent chance a self-represented litigant will be granted leave to appeal to the country’s top court, which takes on cases it considers to be of public importance.
 
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Government looking into reports new Ontario licence plates are unreadable at night

“We have been made aware that some Ontarians are reporting concerns with readability to the naked-eye under certain light conditions,” the office of Minister of Government and Consumer Services Lisa Thompson said in an email Monday.
 
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Webinar Registration- Financial Assistance Programs

Special guests Melissa Vigar and Laura Bellon from the Brain Injury Society of Toronto will be joining Ken to discuss various financial assistance programs, along with their application processes and best practices for best results. If you would like your family’s situation addressed or have a particular question, we may be able to answer it at the webinar.
 
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S.R. v. Aviva Insurance Canada, 2019 CanLII 126104 (ON LAT), <http://canlii.ca/t/j4ggf 

[6]      Through the November Notices, the respondent scheduled the following IEs: an orthopaedic assessment, a functional abilities evaluation, and a job site evaluation.  The Tribunal found, that although the November Notices included a valid medical reason for each examination, the respondent failed to provide the applicant with sufficient notice for the functional abilities evaluation and the jobsite evaluation because they did not fully comply with s. 44(5). Specifically, they lacked details regarding the professions of the individuals conducting the examinations. 
9]      I agree that the Tribunal erred. In short, the Orthopaedic Notice did not comply with s. 44(5)(c) of the Schedule. Finding that it did was a significant error. Thus, I grant this reconsideration request  and, therefore, will not deal with the applicant’s second basis for the reconsideration request, that is the allegation of a lack of medical reasons in the Orthopaedic Notice.
[10]   In accordance with s. 55(1)2 of the Schedule, an insured person shall not apply to the Tribunal if the insurer has provided the insured person notice “in accordance with this Regulation that it requires an examination under s. 44 but has not complied. 
[14]   Although this may be a technical oversight, not all individuals with a “Dr.” prefix before their names are medical doctors and/or qualified to conduct an orthopaedic assessment. 
[15]   While I agree with the Tribunal that one could reasonably ascertain by his title and designation the type of assessment being scheduled, I do not agree that one could reasonably ascertain the regulated health profession to which Dr. Yee belongs.  However, even if the applicant could have reasonably ascertained the information, this is not the applicant’s obligation.  Instead, that is information that, according to the Schedule, an insurer must provide the applicant. 
[16]   Without referencing another source, the applicant could not have known Dr. Yee’s regulated health profession. It is not up to the applicant to find out the information that the insurer was to provide.  I agree with the applicant that it was entirely in the insurer’s hands to ensure that the notice was in accordance with the Schedule.[2]  In this case, it was not, and the Tribunal’s focus on the applicant’s ability to reasonably ascertain the missing information was a significant error.
[17]   The Tribunal should not assume that an applicant would be able to ascertain information that was missing.  It is worth repeating that one of the main objectives of insurance law, including the Schedule, is consumer protection.[3] The information that the insurer was required to provide the applicant was to be provided in “straightforward and clear language, directed toward an unsophisticated person.”[4]
20]   In accordance with s. 37 of the Schedule, the respondent was not entitled to discontinue paying the IRB on the basis that the applicant failed to attend the s. 44 IE given that the Orthopaedic Notice was non-compliant with the Schedule. 
[21]   The applicant indicated in his reconsideration submissions that the respondent never took issue with the applicant’s entitlement to IRBs and based its entire reason for not paying the IRBs on the s. 55(1)2 exclusion clause. The respondent did not refute this submission.
[22]   Therefore, I order that the IRB is payable to the applicant for the period that it was withheld, specifically from December 3, 2015 to October 11, 2016. 
[23]   The applicant has requested a ruling on an award pursuant to s. 10 of Ontario Regulation 664 regarding the withheld IRB for the period of December 3, 2015 to October 11, 2016.  
[24]   In accordance with s.10 of Ontario Regulation 664, in addition to awarding benefits, the Tribunal may order an award if it finds that the insurer unreasonably withheld a benefit. 
[25]   Merely because an insurer failed to comply with the Schedule does not mean that the applicant is entitled to an award.  An insurer may fail to comply with the Schedule without acting unreasonably.  In this case, even though the insurer did not fully comply with the Schedule, I do not find that the errors in the Orthopaedic Notice reach the threshold of unreasonably withholding or delaying a benefit contemplated in s.10 of Ontario Regulation 664.
[26]   Accordingly, I find that the applicant is not entitled to an award on the IRBs payable for the period of December 3, 2015 to October 11, 2016.
 

February 13, 2020

FAIR Submission on Third Party Reports and Medical Experts: Reports and Testimony

Ontario’s courts are bottlenecked with claimants whose files are loaded with poor quality, unqualified or just plain biased medical information. There’s no shortage of statements from Ontario’s judges about the quality of the Third Party Reports and Expert testimony in relation to your members – isn’t it about time you, as Regulator, took an interest in that record? 
 
http://policyconsult.cpso.on.ca/?page_id=12360  Patients speak out at their rough treatment at the hands of Ontario’s IME providers

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Why are Ontarians possibly overpaying billions in auto insurance?

“The companies being regulated expend a lot of money on lobbying and government relations and are able to convince regulators to tread lightly. Politicians are afraid to call the positions of insurance companies…So they take the safe route. I think regulators should call their bluff.”

Average premiums per vehicle have increased by 2.4 per cent between 2010 and 2018, while average claims per vehicle have declined by 10 per cent, the report says.

The OTLA sought out economist Lazar to formulate estimates because insurance companies are not required to publicly report profits from their auto insurance operations in Ontario.

“As Ontarians, we’re not given that information but we’re asked to pay more,” Wynperle says. “There should be greater transparency. That begins with public disclosure.”
[]

Since the amendments requiring insurance companies to cover the HST were approved June 3, at least two insurance companies — Intact and Belair Direct — publicly announced they will comply. But other major companies have resisted.

“The extent to which a handful of insurance heavyweights continue to thumb their noses at the regulator, the government and their own clients is appalling,” says Paul Harte, a Toronto lawyer who has filed class-action lawsuits against insurance companies. Though the filing of the suits predates the June 3 HST amendments, Harte alleges ongoing HST violations. “Without action to bring greater transparency and accountability to this industry, a number of players will continue to use their wealth and power to the detriment of victims and car drivers.”

As recently as Nov. 26, 2019, Aviva wrote a claimant advising “HST has been included in the limits on this claim.”

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What’s really behind Ontario auto rate increases
 
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Think you’re paying too much for Auto Insurance in Ontario? 

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Ontario’s Auto Insurance Rates are Increasing Up to 11% and Will Remain Among Highest in Canada

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Province gives green light to auto insurance hikes

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Compilation – OTLA

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Should a plaintiff’s failure to get treatment be used to reduce any damages award – Little v. Floyd Sinton Limited, 2019 ONCA 865

The accident occurred on the last day of school in grade 8, Ms. Little had been riding the school bus for several years, was a trained bus patroller, and had been taught how to open the emergency doors. She had been instructed that it was dangerous to jump from the back of the bus when it was moving. 
 
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B.C.’s no-fault insurance system to scrap payments for future earnings

VICTORIA — B.C.’s new no-fault insurance system will freeze compensation for a person’s salary to whatever they were earning at the time of their crash, eliminating the ability in most cases to get extra money for lost future wages. 
 
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Participate in Research

As confirmed by our Masters student research intern Emily Giroux in the video above, your personal experience and insights can help change the world. Whether it’s a quick online survey or a few days in a clinical setting, participating in research advances the science of SCI and helps those living with SCI in any number of important ways. 
 
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Recovering from a concussion: what adults should know

Concussions are injuries to the brain, most commonly resulting after a fall, motor vehicle collision or sports injury. The impact causes the brain to move in the skull, essentially stretching the brain cells and causing chemical changes that trigger symptoms. At the most recent Speaker Series – Concussions & Traumatic Brain Injury: Facts, Fiction and Fundamentals for Prevention and Recovery – occupational therapist Elke McLellan discussed the best tips for adults for recovery and returning to activity safely. 
 

February 11, 2020

Auto insurance rates in Ontario going up as much as 11%

Radio-Canada has learned that the Financial Services Regulatory Authority of Ontario (FSRA) has given the green light to increases in automobile insurance premiums for some 20 insurance companies in the province. 
 
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Ontario’s average cost of auto insurance among the most expensive in the country

Radio-Canada has learned that the Financial Services Regulatory Authority of Ontario (FSRA) has given the green light to increases in automobile insurance premiums for some 20 insurance companies in the province. 
 
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Secret insurance deductible was just raised again, now almost $40,000

Insurance deductible for pain and suffering nears eye-popping $40,000

How happy would you be if an insurance company automatically scooped nearly $40,000 from an award issued after you sustained a serious injury in a car accident? 
 
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Insurance Companies get a Secret Credit for your pain and suffering in Ontario car accident cases

Did you know that Ontario car insurance companies are entitled to a secret credit approaching $40,000 for your pain and suffering in car accident cases? Probably not. 
 
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What is Adverse Costs Insurance? Do I need It?

Generally speaking, in Ontario, we have a ‘loser pays legal fees system’. This means that the unsuccessful party in a lawsuit can expect to be ordered to pay at least part of the successful side’s legal costs. In personal injury litigation it’s not uncommon for the losing party in a trial to be ordered to pay legal costs awards in the range of tens to hundreds of thousands of dollars. 
 
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Industry to see single entity for anti-fraud services

Insurance Bureau of Canada’s (IBC) board of directors said in a press release Monday it has agreed to create an industry advisory group on fraud. The formation of the advisory group will lead to the development of a strategy to ensure a smooth transition of anti-fraud services into the single entity. 
 
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From no-fault hater to no-fault lover: The inside story on David Eby’s decision to revamp ICBC

It took an admission to himself that he’d misjudged the ferocity of the fight against reforms by personal injury lawyers, horror stories about how the existing system still fails customers, the help of top officials from Manitoba and Saskatchewan, and the warnings of massive rate hikes in the next few years even though his contentious previous reforms were successful. 
 
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Major overhaul of ICBC could see rates drop by 20%, with lawyers cut out of system, province says

The province claims that Insurance Corporation of B.C. premiums will drop by as much as 20 per cent — an average of $400 a year — as the insurer moves to introduce a system designed to redirect hundreds of millions of dollars spent in legal costs each year to directly benefit people injured in crashes. 
 
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Canadians with lifelong disabilities can lose disability tax credit

When Robert Morley got the news that his application for the federal disability tax credit (DTC) had been denied in December 2019, he felt a mix of emotions, he said. 
 
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One in five Canadians suffers from mental stress. So why are mental disability claims so frequently denied?

Canadian workplaces are riddled with depression and anxiety. In any given year, one in five Canadians suffers a mental health issue. This is further exacerbated by dismissal. Even our Supreme Court has recognized that losing one’s job often represents losing one’s identity. 
 
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Citizen Advisory Group
The Citizen Advisory Group helps bring the patient voice and perspective to healthcare regulation in Ontario. The group was formed in 2015 as a patient feedback tool for the College of Physiotherapists of Ontario. Since then, we have grown into a partnership of 18 health regulatory Colleges who are eager to engage patients in their work.
Patient Compass
The Citizen Advisory Group helps bring the patient voice and perspective to health-care regulation in Ontario. This important Group is made up of patients and caregivers from across the province, and provides input on standards of practice, policies and strategic priorities. The Group supports many of Ontario’s health regulatory colleges who want to engage patients in their work. 

February 6, 2020

Transforming ICBC to deliver lower rates, better benefits

Government is transforming ICBC by removing lawyers and legal costs from the system to reduce rates and substantially increase care benefits, making public auto insurance work for British Columbians again. 
 
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Common $1M liability coverage not enough this day and age

Thomson Rogers partners Darcy Merkur and Ian Furlong were quoted in a recent Law Times article “Common $1M liability coverage not enough this day and age: lawyer” by Mallory Hendry discussing insurance companies needing to do a better job informing clients about liability coverage. 
 
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How does ‘Joint and Several Liability’ protect Accident Victims?

In personal injury actions where there is more than one person found at fault, each of the defendants are equally responsible to pay the full amount of damages to the person who was injured.  This is referred to as ‘joint and several liability’.
 
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An Accountable Legal Profession

There has been a lot of recent discussion about the complaints process at the Law Society of Ontario (and other law societies). How should law societies regulate and discipline lawyers, and how do they treat complaints from the public or self-reps, compared to complaints brought by other lawyers or the regulator itself? Are lawyers the best placed to discipline other lawyers? In today’s podcast, LSO President Malcolm Mercer debates these and other issues with Anne Rempel, who has written a series of posts on the complaints process for our Access Revolution Blog. 
 
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Law Commission of Ontario reacts to changes to Class Proceedings Act proposed in bill 161

In a letter signed by Andrew Pinto, chairman of the LCO’s board of governors, and addressed to Doug Downey, attorney general of Ontario, the LCO declined to show its support of the proposed amendments to the Class Proceedings Act, 1992, as currently drafted under Schedule 4 of bill 161, the Smarter and Stronger Justice Act, 2019, which had its first reading on Dec. 9, 2019. 
 
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Pouring Salt on the Wound: Psychologists Identify the Effects of ‘Institutional Betrayal’

Women exposed to sexual assault in the military suffer more trauma-related symptoms than female veterans sexually assaulted in civilian life. Children abused only in residential care settings are more likely to have difficulties as adults than children who were abused only at home. 
 
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Surveillance and Disability Claim Update

The Personal Information Protection And Electronic Documents Act (PIPEDA) has only been with us for a short period of time and it is still too early to tell what sort of an impact it and other similar legislation will have on the dissemination of information both at the claims, adjudication and litigation levels in the handling of disability claims. The objective of this paper and presentation is to discuss this developing area of the law, and in particular recent developments that will assist in predicting how such legislation will impact on the use of surveillance in disability claims. 
 
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‘PSW shortage is a crisis’ putting lives at risk: Ontario Health Coalition

LONDON, ONT. — The Ontario Health Coalition says a recent report by its team is showing a large shortage of personal support workers (PSW) in long term-care homes. 
 
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Neurology Patients Have Higher Suicide Rates

Over a 37-year period, the suicide rate for people with a neurologic disorder was 44.0 per 100,000 person-years, compared with 20.1 per 100,000 person years for all other people, reported Annette Erlangsen, PhD, of the Danish Research Institute for Suicide Prevention/Mental Health Centre Copenhagen, and colleagues in JAMA. 
 
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Companies blame distracted drivers, complex cars as auto insurance increases pile up

It’s the latest and largest in a parade of steep insurance increases the province has been hit with over the past two years that are being blamed on wrecks caused by distracted drivers and on technology-laden vehicles that have become expensive to fix after even minor accidents. 
 
 

February 4, 2020

 

No Weight Given to “Simply Conclusory” Defence Medical Opinion

Adding to this site’s archived posts of judicial criticism of expert witness advocacy or otherwise unsatisforcy expert opinions, reasons for judgement were recently brought to my attention finding that ‘no weight‘ should be attached to an expert that provided a ‘simply conclusory‘ opinion. 
 
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Navigating the LAT Regime – Traps for unfamiliar lawyers

Even when a case falls into an area of law in which a lawyer is experienced, a new or unfamiliar administrative regime can present risks for lawyers not prepared for the particular statutory framework. Importantly, missing key details and requirements can lead to malpractice claims from inadequate investigation or communication failures with clients. 
 
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Insurer Seeks Costs from “Suspended” ATE Policy & Plaintiff Lawyer Personally

Auto Insurers in Ontario continue their dogged pursuit of costs from After the Event legal expense insurance (“ATE”) policies despite ongoing resistance to paying the associated premiums in settled cases. In the most recent example of Loye v Bowers,[1] released on January 23, 2020, Justice Turnbull addressed the novel issue of “suspension” of an ATE policy just days before the commencement of trial and went so far as to call the ATE broker representative to give evidence on a motion. The decision also highlights the possibility of an ATE insurer and plaintiff counsel potentially using or threatening cancellation of coverage to influence a plaintiff’s decision to proceed to trial. 
 
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Personal injury lawyers continue to be frustrated by jury rules

While the changes to the small claims court and the simplified procedure have been heralded for having the potential to cut wait times for trials, there is another benefit to the changes for personal injury lawyers. 
 
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Battle rages over whether private or public auto insurance is cheaper

The Insurance Brokers Association of British Columbia (IBABC) disputes the conclusions published in a recent report that B.C. drivers are paying up to 42% more for their auto insurance than those in neighbouring Alberta. 
 
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the charles smith blog

Technology: The courtroom: Jurors and the perils of googling. My former Toronto Star colleague Betsy Powell – one of the finest reporters on crime and the courts – takes on the perils of Google – when accessed by jurors for information which has not been presented to them in court….”Despite judge’s instructions against hunting for information online, juror googling continues to bedevil the justice system, sometimes forcing mistrials or worse, verdicts that could be based on misleading or false information gleaned from the internet. Yet with dozens of jury trials scheduled in 2020 at downtown Toronto’s Superior courthouse, some legal insiders feel not enough is being done to ensure jurors not conduct their own research into a case.

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Why your walk-in clinic visits could mean trouble for your family doctor, and you

You’ve woken to a throat so sore you can barely swallow. Time to find a nearby walk-in clinic? Sure, it will probably be easier than trying to get in to see your family doctor. But if you live in Ontario, that walk-in clinic visit could hurt your doctor and put you at risk of being “de-rostered.” 
 
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Cranioelectrical Stimulation for Concussion and PTSD

I wrote back in July about audiovisual entrainment (AVE), one of the neuroplastic treatments for my brain injury that my psychologist introduced me to. He also used what he called “alpha-TENS,” which I now know as cranioelectrical stimulation or CES. 
 
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Five ideas Maytree would like to see in Ontario’s next Poverty Reduction Strategy

While we don’t know the government’s own ideas for its poverty reduction efforts, we do know that we need to address poverty in our province – urgently. We can’t miss this opportunity to table some important ideas that can reduce poverty and prioritize the dignity of people living in poverty. 
 
 
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Syed v. Petrie, 2020 ONSC 664 (CanLII), <http://canlii.ca/t/j50wj  
 

[4]       This action involves a motor vehicle accident that occurred on June 19, 2008. Liability and damages remain in dispute.

[5]       Surveillance has been conducted on the Plaintiff since 2009 and many reports prepared accordingly. On February 2, 2016, the Plaintiff produced to the Defendant the following:

a)        A report dated December 23, 2009 containing surveillance for December 16, 17, and 19, 2009;

b)        A report dated July 17, 2012 containing surveillance for June 27 and 28, 2012 and July 5, 6, 7, 10, and 11, 2012;

c)        A report dated August 7, 2012 containing surveillance for July 27, 2012 and August 1, 2012;

d)        A report dated August 26, 2013, containing surveillance for May 3 and 4, 2013; July 18 and 23, 2013; and August 7, 19, and 21, 2013;

e)        A report dated October 3, 2013 containing surveillance for September 24, 25, 26, and 27, 2013;

f)         A report dated September 24, 2014 containing surveillance for September 5, 6, 15, 16, and 17, 2014;

g)        A report dated September 30, 2014 which was an addendum to the report of September 24, 2014; and

h)        A report dated May 25, 2015 containing surveillance for April 23, 27, 28, and 29, 2015 and May 5, 2015.

[6]       The Defendant also produced the following reports on May 17, 2017:

a)        A report dated October 3, 2016 contained surveillance for September 27, 28, and 30, 2016; and

b)        A report dated November 28, 2016 contained surveillance for November 23, 25 and 26, 2016.

[7]       On July 12, 2018, the Defendant produced a report dated February 21, 2018 containing surveillance for February 6, 7, 8, 9 and 10, 2018.

[8]       On September 11, 2018, the Defendant produced the following:

a)        A report dated October 4, 2016 containing surveillance for September 12, 13, and 14, 2016; and

b)        A report dated January 16, 2018 contained surveillance for December 12, 13, and 14, 2017.

[9]       The trial in this matter was scheduled to start on January 6, 2020. On January 1, 2020, Plaintiff’s counsel wrote to Defendant’s counsel and asked for confirmation that they had been served with all surveillance on which the Defendant intended to rely. The Plaintiff had already prepared his witnesses based on the surveillance in their possession. They also asked whether there were other occasions for which a report had been prepared and not yet provided.

[10]       In response, on January 3, 2020, the Defendant served a surveillance report dated December 26, 2019, which contained surveillance from December 19, 20 and 21, 2019 (“December 2019 Report”). The Defendants indicated that they received it from their investigator on January 2, 2020. They waived privilege over the report and turned it over to the Plaintiff the next day. 

[11]       On or about January 5, 2020, a further surveillance report dated January 3, 2020 was received by the Defendant. The Defendant waived privilege on the report immediately and provided it to Plaintiff’s counsel by e-mail. An actual copy of the video surveillance was provided to the Plaintiff on January 6, 2020. This latter report contained surveillance from December 30 and 31, 2019 and January 2, 2020 (“January 2020 Report”).

January 30, 2020

Ford government has floated giving itself more control over judicial appointments, documents reveal

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Hackers were paid ransom after attack on Canadian insurance firm, court documents reveal

A Canadian insurance company suffered a ransomware attack last fall that saw 1,000 of its computers infected, raising questions about what sensitive data may have been accessed by hackers and whether the firm disclosed the breach to its customers. The case has only now come to light because of recent court filings in Britain. 
 
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Drowsy Driving is Dangerous and is a Factor in 20% of Car Accidents

Many of us have been in a driving situation when we feel tired and know that we are in danger of nodding off behind the wheel. Most of the time we have the sense to pull over and take a break, switch drivers or stop driving for the day. I’ve often seen people sleeping in roadside rest areas mid afternoon, clearly taking a break from the road. 
 
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Police warn about fraudulent Ontario road test booking website

Ottawa police say they’ve received several complaints from unsuspecting drivers who attempted to book a road test using the site bookyourroadtest.com
 
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Bravo Ontario; Forced Opioid Tapering is (Mercifully) Ending

Let’s give a big hand to policymakers in Ontario for correcting a rule that should have never been instituted in the first place. They realized that forced tapering of pain medications is “arbitrary and inappropriate,” and decreed that physicians will no longer be required to wean patients off of prescription opioids.  
 
 
 
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Many Canadians grapple with mental-health issues year-round, but the conversation kicks into high gear every January on Bell Let’s Talk Day. That’s when telecom giant BCE Inc. commits to spending five cents on mental-health initiatives every time someone tweets their hashtag or watches their official video, and every time one of their subscribers texts or calls someone. 
 
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Loye v. Bowers, 2020 ONSC 456 (CanLII), <http://canlii.ca/t/j4vgp 

[33]         The defendants claim $60,047.40 for disbursements.  I will review some of them which cause me concern.

[34]        Dr. Marks was called as a defence expert witness in the area of orthopedic surgery.  Dr. Mark’s wrote a reply medical report which was 82 pages in length, compared to the plaintiff’s expert report of 18 pages.  In fairness to Dr. Marks, he had to review in detail the lengthy pre-accident and post-accident medical history of the plaintiff in rendering his opinion.  He charged $11,300 for the written report which is somewhat on the high side but not unreasonably so.  His evidence was clear and persuasive and in my view, it was important in assisting the jury to render its verdict, which was favourable to the defendant.

[35]        Counsel for the plaintiff objects to the fact that in addition to the fee for his written report, the defendant also claims $24,182 as a witness fee for Dr. Marks’ preparation and appearance to testify during one day of this trial.  He provided counsel with his docketed hours of preparation which amounted to 14.25 hours at $800 per hour.  He further charged $10,000 for his appearance to testify for a full day.

[36]        It appears that he had 9 teleconference calls with counsel between November 4, 2019 and November 12, 2019 which was supposed to be the day that the trial started.  In fact, it did not start until a week later due to a number of pre-trial motions brought by the defendant.

[37]        I find the time and fees charged by Dr. Marks to be totally excessive.  His hourly rate of $800 is jaw dropping.  I find that he should have been able to be prepared to give his evidence in three hours of consultation with counsel and personal review of his report.  I will allow the defendant $3,000 for preparation of Dr. Marks to testify.  I allow the sum of $5,000 for his attendance at trial and giving his testimony.  Thus, I allow preparation and attendance fees for Dr. Marks of $8,000 plus HST of $1,040.00 for a total of $9,040.00, reduced from the amount claimed of $24,182.00.

Hotel Accommodation and Meals for Counsel:

[38]        In the defendant’s Bill of Cost, there are significant claims made for the cost of meals, accommodation and car rentals for each counsel.  They are as follow:

 Ms. Van Rensburg:  Hotel accommodation and parking $5,687.65

                           Car Rental and Gas:  $800.80

                             Meal Expenses: $1201.25.

Ms. Panno:  Hotel accommodation and meals:  $6,000.

                            Meal Expenses: $1200.00

                            Mileage:  $371.52.

[39]        The total claimed by both of the defendant’s trial counsel for hotel accommodations and meals is $14,088.90.

[40]        Section 30 of the Tariff gives the court discretion to allow accommodation and travelling expenses incurred by a party.   I must say that I find the hotel expenses claimed to be excessive.  Personally, I stayed at the Radisson Hotel in Kitchener on a number of occasions during this trial at a government rate of $115 per night plus taxes (which included breakfast).  The total bill each night was approximately $138.00.  It is a clean, safe hotel located within a ten-minute drive from the court house.

[41]         I have no idea from the information given to me of the rate charged for the room at the hotel where they were staying.  I am aware that I checked the cost of another hotel in Waterloo and it would have cost $229 per night and hence I did not stay there.

[42]         I feel that it is incumbent on counsel to search out and find the most reasonably priced appropriate hotel in the region of a courthouse if it is expected that their client would be asking the adverse party to pay their expenses. I have no evidence in that regard.

[43]        I have no information with respect to the number of nights each counsel stayed at a hotel, which hotel they stayed at, the cost per night, whether they sought and obtained a reduced “business” rate.  I have no idea of the costs incurred for each meal nor whether alcohol was included in the bills.

[44]        I also take into account the fact that counsel are employed by TD Insurance as “in house counsel”.   This accident occurred in London but was tried in

Kitchener.   While TD is entitled to counsel of its choice, it seems to me to be unreasonable to require the plaintiff to have to pay the hotel and meal costs of two counsel from out of town.  I must ask myself why a lawyer from the Kitchener/Waterloo region could not have been retained to act as co-counsel to help limit the costs incurred in this matter and which now are demanded from the plaintiff. 

[45]        I therefore allow the defendant’s claim for hotel accommodations in the amount of $6,000.  I allow the sum of $1200.00 for meals.

[46]        I further disallow the claim for $1160.00 related to a consultation with 30 Forensic Engineering, as no report or witness was called by the defendant from that firm.

[47]        In all other respects, I accept the amounts claimed for disbursements as being appropriate and assessable.

Conclusion:

[48]        The defendant shall have judgment against the plaintiff for his partial indemnity costs, disbursements and HST tax as follows:

a.     Total Fees:               $134,995.00

b.      HST                 $  17,549.50

c.      Disbursements:         $  36,754.18

Total:                $189,298.68