• FAIR – supporting auto accident victims through advocacy and education
  • FAIR – supporting auto accident victims through advocacy and education
  • FAIR – supporting auto accident victims through advocacy and education
  • FAIR – supporting auto accident victims through advocacy and education

Welcome to FAIR Association of Victims for Accident Insurance Reform

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

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.   Read more »

Become a FAIR member and get on our mailing list here!

OR support FAIR and the website through a donation (could sure use the support!) here.


What to do after a car accident – consumer information about coverage

If you were in a car accident and no one had auto insurance, you may be eligible for compensation.                             

 Apply to the motor vehicle accident claims fund

The LAT (Licence Appeal Tribunal) Automobile Accident Benefits Service (AABS)


How did your claims experience go?  

Claimant Satisfaction Survey for Ontario Accident Victims

The purpose of this survey is to collect information regarding victims’ experience in regards to obtaining Ontario Accident Benefits from insurers. Absolutely no personal information is collected or shared. Please share!


What’s New?

Fixing Auto Insurance -The Agenda with Steve Paikin Feb 7 2018

Will the Ontario government’s decision to launch a public review of the province’s auto insurance system lead to positive changes for drivers across the province?




Happening NOW!

Public consultations on Ontario auto insurance issues

Ministry of Finance is seeking public input on two key reforms of the Driver Care Plan that were included in the Putting Drivers First blueprint:

  • The Care, Not Cash default; and
  • The return to the $2M catastrophic impairment default benefit limit.

These reforms would ensure that consumers have enough auto insurance coverage to protect themselves and their families in the event of an auto accident, and injured claimants would receive faster access to treatment and care.  

Public consultation papers have been posted to the Regulatory Registry that provide additional information on the government’s plans regarding these reforms. 

The consultation closes on September 17, 2019


Regarding Common Rules of the Licence Appeal Tribunal  https://slasto-tsapno.gov.on.ca/lat-tamp/en/automobile-accident-benefits-service/legislation-rules/  

  Rule 18: Reconsideration of a Tribunal Decision 
  • As permitted by the Statutory Powers Procedures Act, reconsideration requests may now be assigned to any Member of the Tribunal, including the Member who decided the matter which is the subject of the request

Written comments on the LAT rules at: https://slasto-tsapno.gov.on.ca/en/news/lat-acrb-fsc-common-rules-of-practice-amendments/


Do we need a Public Inquiry into the quality of the medical evidence? We think so and here’s why

Licence to bill – Globe and Mail 

Doctors are taking in millions of dollars a year by putting their names to accident injury reports for the insurance industry. Some of these reports unfairly discredit injury claims, leaving victims intimidated and exhausted. But because the majority settle out of court, the practice is hidden from public scrutiny. Kathy Tomlinson investigates

Globe investigation finds billion-dollar companies that are paid by auto insurers hire doctors to assess accident victims in a process called independent medical evaluations, and then edit and package those medical reports. In some cases, arbitrators and judges have rejected the assessment reports because the companies altered the medical professionals’ opinions in the insurer’s favour. Kathy Tomlinson reports

Hired gun in a lab coat: How medical experts help car insurers fight accident claims – National Post

The car accident victims, the doctors who testified against her and the judges who aren’t accepting their expertise-for-hire — how insurance companies try to sway claims at trial

Experts disqualified for history of bias? – Law Times

Rhona DesRoches, chairwoman of the Association of Victims for Accident Insurance Reform, calls the decision a “game-changer” for personal-injury claimants, an indication that the courts have “had enough of the manipulations of insurers to delay and deny claimants through the use of biased medical evidence.”

Job One for newly appointed auto insurance Czar David Marshall: Public Inquiry into auto insurance claims medical evidence  

Ontario Auto Insurance in Crisis: OTLA calls on Wynne Government to call a public inquiry into medical assessments of accident victims 

OFL, Injured Workers and Medical Professionals File Official Request for Ombuds Ontario Investigation into the WSIB

WSIB and auto insurance: Birds of a feather – Toronto Sun  At the same time that the WSIB is under fire, the Ontario Trial Lawyers Association has called on the Ontario government to conduct a public inquiry into the state of independent medical examinations of injured auto accident victims. The OTLA refers to medical experts who “distort evidence … in a bid to satisfy insurance company clients” which causes “unconscionable delays and unfair denial of coverage.” 

Cuts to benefits, ‘hired guns’ faulted 

Social Justice: Expert witnesses and access to justice 

Third party assessment reports need strict code  

Daggitt v Campbell, 2016 ONSC 2742 (CanLII), <http://canlii.ca/t/gpqm3 – see para 26-32

Bruff-Murphy v Gunawardena, 2016 ONSC 7 (CanLII), http://canlii.ca/t/gmr5x – see para 53-125

Trial Lawyers Association calls for inquiry

Fair auto insurance? That’s a stretch   Premiums are too high, benefits are being slashed and insurers are denying valid accident claims 

OTLA Presentation at the 2016 OLA Pre-Budget Hearings 

Proper Use of Experts in Civil Trials – Rastin and Mahony (1)

Latest Number of MVA victims waiting for hearings at the Financial Services Commission of Ontario Med-Arb-Timelines 2007-Mar 2016

2015 StatsCan number of auto insurance related cases on Civil Court docket 59,956 

Read about how much we are overpaying: The Truth about Auto Insurance

The Canadian Society of Medical Evaluators 2011 President’s Message:

Dear Members & Colleagues,
We have all to realize that times are changing-amateurism, bias and fraud in the domain of IMEs will be tolerated less and less in the future.
In September 2011, at IAFS2011, the International Association of Forensic Sciences, the topic arrogance and lack of formal training of self-declared medical experts in the UK and Canada was covered in detail. At the same meeting, a recent UK Supreme Court decision (Jones v Kaney, UKSC 13, 2011) was discussed: at least in the UK, immunity for medical experts sems to be past history.
The basic body of knowledge to be mastered by medical experts has been defined, is in constant revision and is being offered in Europe and Canada through web-based University Programs.
CSME’s effort to promote excellence in medicolegal activities will be proposed to the Royal College, in 2012, a portofolio to be recognized as an Area of Focused Competence diploma: a new medicolegal expertise diploma; CSME also wants to be positioned as a key player in the Maintenance Of Competence program for all future College-certified medicolegal experts.
For those of you doing IMEs for years, it is time to notice this approaching shift: the cost of litigation, cost of automobile insurance and lack of quality control of IMES, leading to public scandals, might soon lead the parties requesting IMES to be more critical when the appraising medicolegal credentials of an expert before hiring his/her services.
CSME wants to be an active partner with the Canadian stakeholders interested in the medicolegal field, to promote and maintain excellence for all medicolegal opinions given by its members.

Dr. Francois Sestier, MD, PhD, FRCPc

See: Muzzling Criticism


‘So You Think You’re Covered! The Insurance Industry Rip-Off – Surviving the Fight for Long-Term Disability Benefits’

by Jokelee Vanderkop  http://www.deniedbenefitclaims.com/index.html

An excellent read, a book that Ontario’s accident victims will benefit from and what Ontario’s auto insurers and the Insurance Bureau of Canada don’t want you to know – the often harrowing process of trying to collect on the policy you paid for.  


Auto insurance: What do you get for a million dollars?

CBC Ontario Today – June 1 2016  Ontario car insurance injury benefits are changing, effective today. The payout for catastrophic injuries is dropping from two million dollars to one million, prompting anger on the part of victim advocates.  Listen to the show:



What’s in YOUR Legal Bill???

You may not be paying what you think you are for your legal representation. By the time the costs of holding our insurer accountable come due and payable many auto accident victims are on their second or even third lawyer. Often the invoices for legal services are without detail and we are simply told what we are supposed to pay without adequate explanation.

According to the most recent data available 78% of Ontario’s legal bills are reduced at an assessment hearing. It’s a clear indication that something is very wrong when better than half of all legal bills (not just auto accident claims) are found to be excessive. Over 25% of these fees-for service accounts are reviewed and then reduced by 50% or more at a hearing so if you don’t understand what’s in your legal bill it may be worth the trip to court to find out.

It might come as a surprise to most people that it’s legal and accepted by our courts to increase the hourly rate without advising you, or to round up hours to a higher amount, or add on a ‘premium’ for a lawyer’s success in court to a client’s bill. more….

Additional information at: http://www.fairassociation.ca/choosing-a-lawyer/


What’s in YOUR medical file???

There is increasing evidence that Ontario’s auto accident victim’s medical files are being routinely changed to suit the needs of Ontario’s insurers to save money by deflating an MVA victim’s injuries. Portions of reports have been removed, manipulated or even changed entirely without the author’s knowledge or consent. Signatures have been forged or used without permission in many cases. Victims and their legal representatives should be viewing reports and evidence with a critical eye to insurer fraud whether it be an adjuster, an assessor, assessment centers, treatment facility or even your own lawyer’s staff. This abuse of evidence is widespread and should be a major factor in the fight on fraud and yet it isn’t. Accident victims are often re-victimized and defrauded out of the coverage they paid for by the fraudulent acts of others. more…

FAIR Policy question regarding evidence used at FSCO DRS hearings
FAIR response from FSCO JR Richards



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