• 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

News and Views

To the Minister of Finance re Prebudget consultations

Minister,

I am a motor vehicle accident survivor and I suffered with a severe brain injury.  The funding and resources available to me in the Statutory Accident Benefit Schedule (SABS) of 2008 assisted me in my recovery.  I worked for the government in the Ministry of Social Services and Ministry of Community Safety and Correctional Services, prior to the accident.  I am well aware of the social services programs.

I am appalled that the insurance industries are being allowed to download THEIR responsibilities of injured MVA victims to our already overloaded social services to save their profits.

The resources necessary to recover from a MVA, are readily available to the survivors through the rehabilitation services resources through the insurers.  The same resources and funding is NOT available through our social services.

With the legislation constantly being changed and benefits slashed by your government, you are assisting the insurers to bully, delay and deny the vulnerable persons who entered a contract to assist them when necessary.  Your government made insurance mandatory to operate a vehicle, but your government is deleting the mandatory responsibilities of the insurers and allowing them to breech the contracts we, the people, are made to sign.

The endless and expensive IME (independent medical examination) being used by the insurers to delay and deny victims is traumatizing some of the most vulnerable population.

The monies being taken out of the medical and rehabilitative benefits, is not being used to assist a victim to return to state of well being. It’s being used to abuse the victims and ultimately line the pockets of others to make money on the backs of a vulnerable population.

I truly believe OUR tax dollars and our government’s supports should be used to assist all Ontarians and NOT support wealthy insurance companies to escape their responsibilities to auto accident survivors!

Tammy Kirkwood

So You Think You’re Covered?

Catch the Ontario Today show on podcast with Jokelee Vanderkop and FAIR’s Board Chair Rhona DesRoches on the delay and deny tactics of Ontario’s insurers

http://www.cbc.ca/ontariotoday/

Make a comment about how you feel about auto insurance in Ontario   http://www.cbc.ca/ontariotoday/2015/01/21/so-you-think-youre-covered/

To order “So You Think You’re Covered! The Insurance Industry Rip-off” see: http://www.deniedbenefitclaims.com/index.html

CPSO Transparency Project – Phase 2 – opportunity to have your voice heard

Lots of comments on the CPSO Transparency Project Phase 2. What do you think about increased transparency when it comes to third party medical opinion vendors who write the medical-legal reports that are the basis for gaining access to benefits for auto accident victims?

You can have your say about transparency and public access to information about physicians and the secret cautions about the complaints about Ontario’s IME vendors here:  http://policyconsult.cpso.on.ca/?page_id=4981 

Automobile Insurance Transparency and Accountability Expert Report – 2014 Annual Report

http://www.fin.gov.on.ca/en/autoinsurance/kpmg-expert-report-ar2014.html#er-1

FAIR calls for greater transparency at CPSO

FAIR statement to CPSO consultation on Dec 2 2014

CPSO consultation http://policyconsult.cpso.on.ca/?page_id=4018

IBAO applauds passage of Bill 15

A consistently dissenting voice has come from the group FAIR (the fair association of victims for accident insurance reform), which feels that the provision within Bill 15 for reducing the Prejudgment Interest to 1.3 per cent will only serve to encourage insurers to dispute more claims.

“There needs to be more accountability, not less,” FAIR’s board chair Rhona DesRoches told Insurance Business. “Without anything to discourage them, insurers will be incentivized to systematically deny claims through the use of partisan medical reports prepared by their preferred medico-legal ‘expert’ assessors to deflate a claim.

http://www.insurancebusiness.ca/news/ibao-applauds-passage-of-bill-15-185713.aspx

‘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

“Based on my own insurance nightmare and successful legal fight culminating in a precedent-setting court ruling, my book guides you through an insurance process that seeks to label the claimant as a ‘scammer’. By mapping out and explaining the assessment process with its numerous insurance medical examinations (IMEs), this book exposes what insurers puts claimants through when it looks like long-term disability and income benefits need to be paid. The advice will help claimants counter some of the more underhanded tactics that insurers employ to deny benefits, and should help shorten the process to procure the benefits owed to you. People not going through this horror also need to know what could happen to them. Learn about the disconnect between paying insurance premiums and receiving insurance benefits.”

For regular updates and to share your own experiences, follow the blog.

What Do Victim Advocates Think About Bill 15?

FAIR Submission Bill 15 Standing Committee on General Government November 2014

OTLA – Submission to the standing committee – November 5, 2014

Bill 15 – ORA Presentation to Standing Committee on General Government

Read:  Bill 15

News Release Auto Accident Victims at Risk When Attending Clinics and Assessments FAIR Calls for Better Oversight of Ontario’s For-hire Physicians and Medical Assessors

FAIR is concerned that the victims and survivors of car accidents are exposed to significant risk when attending medical assessments and treatment clinics when regulatory oversight and enforcement is virtually non-existent.

Media Release Auto Accident Victims at Risk When Attending Clinics and Assessments Sept 25 14

Correcting medical information

Concerned about your medical file? The links below are from Information and Privacy Commissioner / Ontario http://www.ipc.on.ca/english/Resources/IPC-Corporate/IPC-Corporate-Summary/?id=667

Oct 03, 2005 | Forms
A generic request form for filing a request to correct your personal health information held by a health information custodian. This request form should be submitted directly to the health information custodian.
Aug 07, 2003 | Forms
A generic request form for filing a request for information held by a government organization or to request a correction of your personal information held by a government organization.
Jan 01, 2005 | Forms
A generic request form for filing a request for access to your personal health information held by a health information custodian. This request form should be submitted directly to the health information custodian.
Jul 11, 2005 | Forms
A form to be signed by a complainant who is represented by someone other than a lawyer.
Oct 14, 2004 | Forms
A form for filing a complaint relating to a decision by a health information custodian in response to a request made under the Personal Health Information Protection Act. The form can be completed online and then printed, or printed and then filled out wi
Nov 15, 2004 | Forms
A form for filing a complaint under the Personal Health Information Protection Act, if you feel your personal health information has been improperly collected, used or disclosed by a health information custodian. The form can be completed online and then