• homeslide-220513-04 Victim by Situation...
    Survivor by Choice
  • homeslide-220513-03 Victim by Situation...
    Survivor by Choice
  • homeslide-220513-02 Victim by Situation...
    Survivor by Choice
  • homeslide-220513-01b Victim by Situation...
    Survivor by Choice

Welcome to FAIR Association of Victims for Accident Insurance Reform

‘FAIR – supporting auto accident victims through advocacy and education’

After an Auto Accident: Understanding the Claims Process

If you’ve been involved in an auto accident and need to file an insurance claim, this booklet will help you understand how the claims process works. https://www.fsco.gov.on.ca/en/auto/brochures/Pages/brochure_claims.aspx


If you are an auto accident victim you can join FAIR at no cost in 2014!  Get on our mailing list! MVA Victim membership:



FAIR (Fair Association of Victims for Accident Insurance Reform) is a grassroots not-for-profit organization of MVA (Motor Vehicle Accident) victims who have been injured in motor vehicle collisions and who have struggled with the current auto insurance system in Ontario.

Our members lives, as a result of these MVAs, have been turned upside down by brain injury, loss of limbs, need for surgery and reparative therapy, long-term debilitating injuries, loss of time from work, loss of jobs and sometimes loss of independence .

FAIR wants to see reforms to auto insurance legislation that will improve the way all MVA victims are treated and cared for under provincial insurance legislation. Not only are FAIR members faced with the challenges of overcoming and adapting to injury, we are also faced with an insurance system that does not fairly provide needed rehabilitation coverage and benefits. Read more »



Last year Ontario’s motor vehicle accident (MVA) victims made over 89,000 visits to private medical clinics, assessment centers and private offices for treatment and medical assessments. There is a serious lack of oversight or standards at these facilities. MVA victims are legislated by our government to attend these facilities for third party medical opinion examinations arranged by Ontario’s insurers. We are always at risk and we are without adequate protection from often very shady business operators and a system suffering from a lack of oversight, poor regulations and no enforcement.

Did you attend the Rothbart Pain Clinic for treatment? If so, you may want to read the recent Toronto Star articles below.

Public not told of infection outbreak at private Toronto pain clinic Sat Sep 20 2014  Two women developed serious infections after getting needles at Rothbart Centre. But it took a freedom-of-information request to learn more patients had been infected.

Infection outbreak at pain clinic sparks calls for greater transparency Tue Sep 23 2014 Critics are calling for more transparency into infection outbreaks at clinics as more patients come forward with stories about developing meningitis and other serious infections at a Toronto pain centre.

Pain clinic doctor faces disciplinary hearing after outbreak Thu Sep 25 2014  Anesthesiologist Dr. Stephen James accused of incompetence in infection control and misconduct during probe.

Rothbart Centre outbreak might have started earlier: lawyer Sun Oct 05 2014  More patients treated at private clinic tell of medical ordeals that occurred before the time window identified in a Toronto Public Health probe.

Ontario health minister orders data on clinics made public Sun Oct 05 2014  Eric Hoskins is demanding more transparency and has told province’s regulatory colleges and public health units he wants investigations and inspections made public.


    Ontario’s insurers looking to save money by reducing the interest penalty on overdue amounts owed to legitimate injured MVA victims

    Ontario’s insurers and the IBC are lobbying to reduce pre-judgment interest rates on overdue payments to Ontario’s injured accident victims. We feel that this is an incentive to delay and deny even more claims going forward. After all, it is only those insurers who are incompetent at claims handling or who purposely deny legitimate claims who will benefit from the proposed reduced 1.3%/year interest they will have to pay on overdue amounts – it is an incentive to deny.

    Take the time to comment on the reduced pre-judgment interest rate on overdue payments by Ontario’s insurance companies that is part of Bill 15. Review the 3 days of discussion about Bill 15 and auto insurance in the legislature – see links below – as you can see our legislators appear to believe that the interest rate reduction will affect only pain and suffering. The truth is it will affect ALL overdue amounts from insurers including income replacement, costs of treatment, attendant care etc. We cannot borrow money at 1.3% so it will mean that not everyone will be able to cover their own cost of care during a delayed and denied claim. You can have your say – it isn’t limited to stakeholders or industry professionals. 


    Bill or Act: Insurance Act Summary of Proposal: This proposed amendment would provide that where there is a dispute in respect of an insured person’s entitlement to, or amount of statutory accident benefits, interest on overdue SABS payments is calculated at the prejudgment interest rate described in the Courts of Justice Act that is used for past pecuniary loss, and is payable from the date on which a mediation proceeding is commenced and ends on the date a settlement is reached or a decision is issued that finally disposes of the dispute. Further Information: Ontario Regulation 34/10 (Statutory Accident Benefits Schedule – Effective September 1, 2010) 
     Insurance Act 
    Proposal Number: 14-MOF009 Posting Date: September 30, 2014 Comments Due Date: November 6, 2014 Contact Address: Senior Manager
    Insurance Policy Unit
    Financial Institutions Policy Branch
    Ministry of Finance
    95 Grosvenor Street
    Frost Building North, 4th Floor
    Toronto, ON
    M7A 1Z1
    See what our legislators have to say:
    OCTOBER 23, 2014 html pdf html pdf
    OCTOBER 22, 2014 html pdf html pdf
    OCTOBER 21, 2014 html pdf html pdf

    Concerned about the current lack of oversight for Ontario’s insurer medical examinations? Third party medical examinations or IMEs are without rules or regulations or meaningful oversight by Ontario’s regulatory colleges – a great advantage for Ontario’s auto insurers who use these poor quality reports to delay and deny legitimate claimants claims for medical treatment and benefits. Fed up? Abused? Take the time to tell the Minister of Health about your concerns and how you feel about the treatment of innocent and vulnerable MVA victims at the hands of Ontario’s third party for-hire medical practitioners at:  ehoskins.mpp.co@liberal.ola.org

    Current College of Physicians and Surgeons of Ontario CPSO consultations in respect to transparency at:  http://www.cpso.on.ca/Policies-Publications/Positions-Initiatives/Transparency-of-Physician-Specific-Information

    Current comments regarding transparency at:  http://policyconsult.cpso.on.ca/?page_id=4018

    Past comments regarding transparency at: http://policyconsult.cpso.on.ca/?page_id=2420

    From the CPSO website:
    What patients need to know about Ontario doctors to make informed decisions

    Next steps – Phase Two

    The second phase will focus on providing more information to the public about outcomes of the Colleges’ Inquiries, Complaints and Reports Committee (ICRC).

    Categories of information may include:

    • criminal charges (if relevant to practice),
    • licences in other jurisdictions (if known);
    • discipline findings in other jurisdictions (if known);
    • CPSO discipline decisions that have not resulted in a finding of professional misconduct or incompetence;
    • undertakings (in certain circumstances);
    • oral cautions and SCERPs.


    Not happy about our coverage for most injuries being capped at $3500.00 for rehabilitation? Think you are paying too much (you are) for the low coverage or have you been injured and can’t get the promised benefits? Do you think the process for making claims is abusive? Do you think coverage for the most catastrophically injured should be slashed so insurers can make more money? Write to your MPP at Queen’s Park and let them know that you are aware and watching and tired of being ripped off and abused. http://www.ontla.on.ca/web/members/member_addresses.do?locale=en




    NOTICE – FAIR has been advised that at least one insurer is sending out notices to their assessors that they are not to share IME reports without approval from the adjuster – even with a signed consent form from the claimant. Assessors are told, “under no circumstances should any assessor be speaking/writing/communicating with claimants/plaintiff counsel.” If this adversarial policy is affecting your access to information about your IME or claim, we’d like to hear from you.


    If you’d like to donate to FAIR to support us in our efforts to change Ontario’s auto insurance coverage, you can access the FAIR Donation Contribution Form here.

    Comments are closed.