All Articles

Monday, May 11th, 2015 - cflaherty

We are paying something for nothing. The mandatory accident benefits policy in Ontario provides minimal coverage for the vast number of people injured in car crashes. Presently, over 90% of victims are restricted to payment of a maximum of $3,500.00. They are forced by law to pay hundreds if not thousands of dollar PER YEAR for this coverage.

Ask yourself. Would you voluntarily pay $1,000.00 per year of $3,500.00 worth of life insurance? Of course not. But the Government of Ontario forces you to pay for this very poor product.

It’s time to speak to your Member of Provincial Parliament.

Comments Off (0)

Monday, May 11th, 2015 - cflaherty

The Ontario Trial Lawyers Association has prepared a series of blogs identifying current issues with the recent budget and how it impacts people injured by Motor vehicles. Please read the full blog here.

Part One of a Three-Part Series on the 2015 Ontario Budget

Last month, the Ontario Liberal government revealed its latest budget entitled “Building Ontario Up” but what it does to our auto insurance benefits is actually the opposite by significantly slashing benefits available to accident victims.

Comments Off (0)

Friday, May 23rd, 2014 - cflaherty

Ontario auto insurance: How much worse can things get for victims?

Changes in 2010 created windfall profits for insurers by slashing coverage for the vast majority.

We need to restore fairness and impose a moratorium on further reductions in coverage!

In September 2010, the Ontario government introduced sweeping changes to auto insurance in response to pressure from the insurance industry to contain injury costs despite the industry’s long-standing failure to address systemic fraud in the system.

The MIG: Minor Injury Guideline for victims

Comments Off (0)

Tuesday, May 6th, 2014 - cflaherty

The following article appears in the Law Times

In response to complaints that insurance industry financial details are impossible to pin down, the Ministry of Finance commissioned a report on transparency and accountability in the sector but perhaps surprisingly chose the accountants for the Insurance Bureau of Canada to prepare it.

On April 14, the interim report became the first of three reports from financial consulting firm KPMG LLP as part of the auto insurance cost- and rate-reduction strategy. It will deliver the annual reports in August of each year of the strategy.

Comments Off (0)

Monday, May 5th, 2014 - cflaherty

The recent election call has terminated Bill 171 for now.

For those who do not know, Bill 171 proposed legislation which, amongst other things, would have eliminated the right of people to sue their insurance companies for breach of contract in automobile first party benefits claims. In other words, if passed, no one in Ontario could sue their insurer for breaching their obligations under the accident benefits insurance contracts. This has been a right of every contracting party since insurance was invented.

Let me give you an example.

Comments Off (0)

Tuesday, May 7th, 2013 - cflaherty

The recent case of Scarlett v. Belair Insurance Decision Date: 2013-03-26, Adjudicator: John Wilson, Regulation: 34/10, Decision: Arbitration, Preliminary Issue, FSCO 3965 is the first reported Minor Injury Guideline (MIG) case.

The gist of the decisions stand for the proposition that injured insureds should not be required to take extraordinary steps, or be forced to make leaps and bounds to prove that treatment they require for recovery does not fall within the MIG. In fact it is the opposite that is true. Once insureds, through their care providors, establish with convincing evidence that they will not meet maximum recovery within the MIG limit, the insurer must provide payment for the treatement unless they can prove that the insured is subject to the MIG. It can be said that the applicaiton of the MIG should be considered the exceptiopn rather than the rule.

Comments Off (0)

Monday, April 22nd, 2013 - cflaherty

The recent case of Scarlett v. Belair, FSCO A12-00107, is important more for what it demonstrates in terms of the state of automobile first party insurance benefits in Ontario at the present time, than as an analysis of the application of the Minor Injury Guideline in the legal context.

They key factors that support this contention are:

1. The amount of time it took Mr. Scarlett to obtain a remedy;
2. The total cost of the process; and
3. The approach of the insurer in adjusting the file.

Comments Off (0)

Tuesday, September 25th, 2012 - cflaherty

From the Hamilton Spectator

The Argyll and Sutherland Highlanders of Canada have a new commander.

Lieutenant-Colonel Lawrence Hatfield took charge of the regiment in a rainy parade celebration at Bayfront Park Sunday, succeeding Lieutenant-Colonel Gary Sexton.

“I’m very privileged today,” Hatfield said. “Our history is time-honoured, written in battle and blood.”

The Argyll and Sutherland Highlanders of Canada are a Hamilton-based army reserve unit within 31 Canadian Brigade Group. Formed in 1903, it has 34 battle honours from the First and Second World Wars.

Comments Off (0)

Thursday, September 13th, 2012 - cflaherty

Social Justice: Superintendent cloaks policy issue as science on catastrophic impairment

Monday, September 10, 2012 | Written by Alan Shanoff | Law Times

The superintendent’s report on the definition of catastrophic impairment in the statutory accident benefits schedule may seem like a dry topic, but for those suffering injuries in motor vehicle accidents, the difference between having a catastrophic impairment designation and not getting one can be a life-altering distinction.

Of all of the proposals in the superintendent’s report, none is more controversial than the one rejecting the combination of physical and psychiatric impairments to determine catastrophic impairment. The origin of this proposal lies with the final report of the catastrophic impairment expert panel from April 2011.

Comments Off (0)

Tuesday, June 12th, 2012 - cflaherty

TORONTO, June 12, 2012 /CNW/ – The Ontario government is about to implement another round of cuts to auto insurance benefits, this time slashing coverage for devastating injuries.

“If the government goes ahead with this, it will hurt a lot of very vulnerable people,” says Nick Gurevich, President of the Alliance of Community Medical and Rehabilitation Providers.

Severely Injured May No Longer Be Protected

Accident victims with severe brain injuries or paralysis, for example, may find they no longer qualify for catastrophic coverage. Those unable to work again, who face years of therapy and life in a wheelchair, may be denied the benefits they need.

Comments Off (0)

We've compiled a definitive listing of useful forms and resources. Click below to view the list.

More Downloads
MD Assist

Visit our new MD Assist area. We have developed a collection of documents and links for physicians and lawyers.

Submit Query