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		<loc>http://www.fairassociation.ca/2013/08/ontario-government-will-mandate-15-reduction-in-auto-premiums-within-2-years/</loc>
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		<loc>http://www.fairassociation.ca/2013/10/insurer-rebuffed-on-attendant-care-benefits/</loc>
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		<loc>http://www.fairassociation.ca/2013/10/accident-victims-get-break-as-arbitrator-rules-against-retroactive-benefits-cuts/</loc>
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		<loc>http://www.fairassociation.ca/2013/10/privacy-pause/</loc>
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		<loc>http://www.fairassociation.ca/2013/10/stop-or-go/</loc>
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		<loc>http://www.fairassociation.ca/2013/10/examining-recent-developments-in-auto-insurance/</loc>
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		<loc>http://www.fairassociation.ca/2013/10/preparing-an-expert-witness-for-trial/</loc>
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		<loc>http://www.fairassociation.ca/2013/10/how-corporate-ontario-gets-its-way-at-queens-park-cohn/</loc>
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		<loc>http://www.fairassociation.ca/2013/10/independent-medical-exams-are-not-independent-at-all/</loc>
		<lastmod>2013-10-22T19:43:19+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2013/10/taxi-drivers-urge-people-to-oppose-industry-changes/</loc>
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		<loc>http://www.fairassociation.ca/2013/10/challenges-with-opinions-from-treatment-providers/</loc>
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		<loc>http://www.fairassociation.ca/2013/10/wynne-takes-steps-toward-open-government/</loc>
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		<loc>http://www.fairassociation.ca/2013/10/canada-under-the-hood-of-usage-based-car-insurance-fsco-issues-guidance-on-privacy-permissible-data-use-and-pricing/</loc>
		<lastmod>2013-10-24T17:37:16+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2013/10/competition-healthy-in-auto-insurance-ontario-premier/</loc>
		<lastmod>2013-10-24T17:46:20+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2013/10/fbic-fight-bad-faith-insurance-companies/</loc>
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		<loc>http://www.fairassociation.ca/2013/10/premier-wynne-addresses-15-rate-cut-at-ibao-convention/</loc>
		<lastmod>2013-10-26T15:24:07+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2013/10/evidence-helps-reduce-the-cost-of-auto-insurance-fraud/</loc>
		<lastmod>2013-10-26T18:43:27+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2013/10/industry-must-make-it-clear-to-consumers-that-15-auto-premium-reduction-is-an-average-ceo-says/</loc>
		<lastmod>2013-10-28T14:52:48+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2013/10/going-from-the-exception-to-the-rule/</loc>
		<lastmod>2013-10-29T14:40:55+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2013/10/hamilton-filmmaker-fights-after-losing-leg-in-collision-as-siu-investigates/</loc>
		<lastmod>2013-10-31T16:21:45+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2013/11/promises-for-transparency-failing-the-disabled-editorial/</loc>
		<lastmod>2013-11-01T10:41:11+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2013/11/car-insurance-relief-in-sight-for-young-ontario-drivers/</loc>
		<lastmod>2013-11-01T23:17:52+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2013/11/how-a-black-box-could-lower-auto-insurance-rates/</loc>
		<lastmod>2013-11-06T00:47:03+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2013/11/industry-must-focus-on-cost-management-to-fix-ontario-auto-system/</loc>
		<lastmod>2013-11-06T01:21:08+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2013/11/industry-urged-to-take-control-of-auto-issue/</loc>
		<lastmod>2013-11-06T01:26:02+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2013/11/lawyers-are-too-expensive-for-most-canadians-give-more-work-to-paralegals/</loc>
		<lastmod>2013-11-07T19:38:24+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2013/11/i-didnt-file-a-claim-will-my-insurance-go-up-anyway/</loc>
		<lastmod>2013-11-07T19:42:53+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2013/11/quebecs-new-culture-of-law-how-the-province-has-moved-to-a-revised-code-of-civil-procedure/</loc>
		<lastmod>2013-11-07T19:57:05+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2013/11/keep-the-faith-in-insurance-i-think-not/</loc>
		<lastmod>2013-11-07T20:01:06+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2013/11/n-b-drivers-overpaid-millions-for-insurance-say-analysts/</loc>
		<lastmod>2013-11-07T21:02:08+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2013/11/challenges-with-opinions-from-treatment-providers-2/</loc>
		<lastmod>2013-11-09T02:34:35+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2013/11/ontario-politicians-try-to-put-a-lid-on-fees-for-providing-copies-of-medical-records/</loc>
		<lastmod>2013-11-11T23:46:37+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2013/11/more-feedback-requested-on-ontario-auto-insurance-dispute-resolution-system-recommendations/</loc>
		<lastmod>2013-11-14T22:49:07+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/11/auto-insurance-fraud-lawsuits-continue-against-toronto-medical-assessment-centres/</loc>
		<lastmod>2013-11-14T22:52:13+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/11/california-voters-acted-to-save-100-billion/</loc>
		<lastmod>2013-11-18T20:36:17+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/11/new-report-a-good-first-step-towards-a-better-insurance-dispute-resolution-system/</loc>
		<lastmod>2013-11-18T20:41:13+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/11/insurers-trying-to-keep-claimants-in-the-mig-will-need-medical-reasons-before-an-ie/</loc>
		<lastmod>2013-11-24T14:53:32+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/11/effective-ways-to-save-on-your-car-insurance-premium/</loc>
		<lastmod>2013-11-24T16:50:37+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2013/11/sun-letters-to-the-editor-nov-24-ibc/</loc>
		<lastmod>2013-11-25T18:20:11+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/11/pei-public-invited-to-share-views-on-proposed-auto-insurance-changes/</loc>
		<lastmod>2013-11-25T18:22:22+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/11/desjardins-general-insurance-group-reports-solid-third-quarter/</loc>
		<lastmod>2013-11-25T20:58:25+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2013/11/how-old-is-too-old-to-drive/</loc>
		<lastmod>2013-11-26T01:22:10+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/11/national-day-of-remembrance-for-road-crash-victims/</loc>
		<lastmod>2013-11-27T01:46:13+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/11/cbc-tuesday-without-a-lawyer/</loc>
		<lastmod>2013-11-27T02:01:37+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/11/medical-marijuana-users-launch-proposed-lawsuit-after-health-canada-privacy-gaffe-read-more-httpwww-ctvnews-cacanadamedical-marijuana-users-launch-proposed-lawsuit-after-health-canada-privacy-g/</loc>
		<lastmod>2013-11-27T02:04:24+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/11/highway-robbery-pirates-on-the-highway-are-costing-ontario-drivers-billions/</loc>
		<lastmod>2013-11-27T14:16:08+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/11/tgif-not-so-fast-allstate-canada-data-reveals-friday-has-highest-car-collision-rate/</loc>
		<lastmod>2013-11-27T14:30:03+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/11/arbitrator-rules-in-favour-of-ontario-auto-claimant-refusing-to-attend-insurers-medical-examination/</loc>
		<lastmod>2013-11-28T18:44:25+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/11/ontario-appeal-court-rules-wawanesa-must-defend-homeowner-policyholder-sued-over-injury-to-child/</loc>
		<lastmod>2013-11-28T18:50:41+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/11/should-your-genetics-be-available-to-insurance-companies/</loc>
		<lastmod>2013-11-29T16:13:18+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/12/canadian-insurance-regulators-launch-new-database-of-disciplinary-actions/</loc>
		<lastmod>2013-12-03T19:45:47+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/12/new-arbitration-hearing-ordered-in-ontario-minor-injury-guideline-dispute/</loc>
		<lastmod>2013-12-04T20:56:23+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/12/madd-canada-criticizes-ontario-auto-insurance-law-on-15-rate-reduction/</loc>
		<lastmod>2013-12-06T18:03:43+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/12/lawyers-return-fire-at-ibc/</loc>
		<lastmod>2013-12-06T18:41:56+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/12/strategizing-costs/</loc>
		<lastmod>2013-12-09T17:02:24+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/12/the-not-so-independent-medical-examination/</loc>
		<lastmod>2013-12-12T18:43:00+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/12/ontario-auditor-general-issues-warning-over-unfunded-liability-for-auto-insurance-claims-fund/</loc>
		<lastmod>2013-12-12T21:30:08+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/12/auditor-general-report-shows-people-falling-behind-while-public-sector-executives-gain-like-never-before/</loc>
		<lastmod>2013-12-13T16:39:13+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/12/disabled-in-ontario-increasingly-forced-onto-welfare/</loc>
		<lastmod>2013-12-14T15:31:39+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/12/auditor-general-credits-province-with-eliminating-fsco-mediation-backlog/</loc>
		<lastmod>2013-12-18T20:29:10+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/12/lawyers-coaching-srls-in-self-advocacy-why-this-paradoxical-proposition-deserves-your-serious-consideration/</loc>
		<lastmod>2013-12-18T20:36:12+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/12/ontario-government-tightens-up-sabs/</loc>
		<lastmod>2013-12-18T21:00:26+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/12/lawsuits-driving-up-municipal-insurance-costs/</loc>
		<lastmod>2013-12-18T21:04:10+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/12/what-kinds-of-information-and-files-can-be-protected-in-litigation/</loc>
		<lastmod>2013-12-20T02:29:09+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/12/insurers-get-an-early-present-injured-victims-get-another-lump-of-coal/</loc>
		<lastmod>2013-12-20T20:52:36+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/what-are-you-consenting-to-what-to-watch-for-in-insurers-examinations-consent-forms/</loc>
		<lastmod>2014-01-06T21:08:23+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/hcai-security-breach/</loc>
		<lastmod>2014-01-06T21:15:16+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/manitoba-government-run-auto-insurer-to-increase-overall-rates-in-2014/</loc>
		<lastmod>2014-01-06T21:17:32+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/ontario-regulation-34713/</loc>
		<lastmod>2014-01-06T21:29:44+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/how-to-get-cash-after-crash-from-at-fault-driver-roseman-2/</loc>
		<lastmod>2014-01-06T21:36:33+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/insurance-lawyers-eye-opportunities-in-quebec/</loc>
		<lastmod>2014-01-07T19:05:15+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/no-damage-pay-more-anyway-said-my-insurance-company/</loc>
		<lastmod>2014-01-07T19:07:51+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/a-joint-venture-with-sap-taking-control-of-car-insurance-premiums/</loc>
		<lastmod>2014-01-07T19:16:41+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/get-legally-fit-in-2014/</loc>
		<lastmod>2014-01-07T19:21:07+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/fsco-puts-out-request-for-arbitration-services/</loc>
		<lastmod>2014-01-07T23:56:03+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/am-i-living-in-a-dictatorship-ontario-government-changes-how-your-no-fault-car-insurance-works-yet-again/</loc>
		<lastmod>2014-01-09T16:36:53+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/ontario-health-claims-database-december-2013-report/</loc>
		<lastmod>2014-01-09T18:38:59+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/ontario-auto-insurers-to-use-analytics-against-claims-fraud/</loc>
		<lastmod>2014-01-20T00:59:06+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/three-ontario-rehabilitation-clinics-convicted-in-auto-insurance-fraud-cases/</loc>
		<lastmod>2014-01-20T01:32:31+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/provincial-news-ndp-to-ontarians-are-you-seeing-the-results-you-need/</loc>
		<lastmod>2014-01-20T01:35:06+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/maximum-fines-imposed-on-ontario-clinics-for-false-insurance-submissions/</loc>
		<lastmod>2014-01-20T01:41:17+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/liberals-use-auto-insurance-to-promote-own-agenda/</loc>
		<lastmod>2014-01-20T01:45:43+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/desjardins-group-to-acquire-state-farm-canada-businesses/</loc>
		<lastmod>2014-01-20T01:58:29+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/ontario-auto-insurance-rates-dropped-4-66-on-average-since-august-government-says/</loc>
		<lastmod>2014-01-20T02:03:21+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/personal-injury-judgement-for-trip-and-fall-resulting-in-broken-arm-exceeds-200000/</loc>
		<lastmod>2014-01-21T00:45:16+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/personal-injury-law-service-via-facebook-should-become-the-norm/</loc>
		<lastmod>2014-01-21T14:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/is-there-a-place-for-collaboration-in-times-of-disharmony-seminars-2014/</loc>
		<lastmod>2014-01-21T15:41:10+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/auto-insurance-rates-for-the-fourth-quarter-of-2013/</loc>
		<lastmod>2014-01-26T22:46:20+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/will-insurers-begin-to-use-social-media-postings-to-calculate-premiums/</loc>
		<lastmod>2014-01-26T22:49:34+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/big-surveillance-demands-big-privacy-enter-privacy-protective-surveillance/</loc>
		<lastmod>2014-01-26T22:52:25+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/fsco-has-released-a-revised-mig-and-ocf-18/</loc>
		<lastmod>2014-01-26T23:00:54+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/an-expensive-lesson/</loc>
		<lastmod>2014-01-26T23:04:18+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/the-greater-whole/</loc>
		<lastmod>2014-01-26T23:08:19+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/recycled-numbers-letter-to-the-sun/</loc>
		<lastmod>2014-01-27T16:06:58+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/telematics-gives-brokers-opportunities-to-offer-advice-but-may-need-a-disable-creep-stalk-function/</loc>
		<lastmod>2014-01-27T16:08:15+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/the-downside-of-judges-ruling-on-reviewing-draft-expert-reports/</loc>
		<lastmod>2014-01-27T16:41:53+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/supreme-court-of-canada-stipulates-new-approach-to-handling-lawsuits-in-ontario/</loc>
		<lastmod>2014-01-31T17:14:57+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2014/01/one-problem-that-requires-fixing-the-independent-medical-examination/</loc>
		<lastmod>2014-01-31T17:34:27+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/01/insurance-problems-distorted-new-insurance-bureau-advertising-campaign-launched/</loc>
		<lastmod>2014-01-31T20:01:22+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/06/fair-presents-views-to-the-ontario-standing-committee-on-auto-insurance/</loc>
		<lastmod>2014-02-01T13:17:29+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2014/01/clear-definition/</loc>
		<lastmod>2014-02-01T17:40:33+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2014/01/injuries-drive-costs/</loc>
		<lastmod>2014-02-01T17:51:04+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2013/09/3198/</loc>
		<lastmod>2014-02-01T20:10:54+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2014/01/what-is-a-mild-traumatic-brain-injury/</loc>
		<lastmod>2014-02-03T06:42:50+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2014/02/hard-times-for-family-caregiver/</loc>
		<lastmod>2014-02-03T17:48:32+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2014/02/desjardins-state-farm-canada-combo-a-distribution-play-around-financial-services-former-dominion-ceo-cooke-says/</loc>
		<lastmod>2014-02-03T20:46:13+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2014/02/cheaper-car-insurance-price-is-the-least-of-the-problems/</loc>
		<lastmod>2014-02-04T14:35:40+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2014/01/frankly-scarlett-we-should-talk-march-31-2014/</loc>
		<lastmod>2014-02-04T15:39:17+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2014/02/social-media-can-be-key-in-claims-investigations-but-ethics-critical/</loc>
		<lastmod>2014-02-05T01:06:07+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2014/02/speakers-corner-hryniak-will-have-profound-impact-on-civil-proceedings/</loc>
		<lastmod>2014-02-05T23:20:21+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2014/02/intact-to-launch-usage-based-auto-insurance-in-ontario-in-april/</loc>
		<lastmod>2014-02-05T23:23:38+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/02/study-auto-insurance-in-detroit-is-most-expensive-in-nation-by-far/</loc>
		<lastmod>2014-02-05T23:24:56+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/02/taxpayers-group-urges-radical-cuts-to-pay-off-ontario-deficit/</loc>
		<lastmod>2014-02-05T23:26:35+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/02/auto-insurance-lies-are-common-among-parents/</loc>
		<lastmod>2014-02-10T17:07:52+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/02/elections-ontario-data-shows-some-law-firms-still-donate-to-political-parties/</loc>
		<lastmod>2014-02-10T17:27:50+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/02/one-in-three-policyholders-would-consider-giving-information-on-usage-or-lifestyle-survey/</loc>
		<lastmod>2014-02-11T15:30:49+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/02/the-future-of-expert-shopping/</loc>
		<lastmod>2014-02-11T15:33:28+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2014/02/life-can-change-in-the-blink-of-an-eye/</loc>
		<lastmod>2014-02-12T17:29:19+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2014/02/a-caregiver-workshop/</loc>
		<lastmod>2014-02-14T21:36:57+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2013/08/brian-macdonaald-and-tammy-kirkwood/</loc>
		<lastmod>2014-02-21T16:24:48+00:00</lastmod>
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			<image:loc>http://www.fairassociation.ca/wp-content/gallery/photo-gallery/dscf0248.jpg</image:loc>
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	<url>
		<loc>http://www.fairassociation.ca/2014/02/minor-injury-guideline-is-not-just-holding-up-it-appears-to-be-gaining-strength/</loc>
		<lastmod>2014-02-21T21:03:18+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/02/final-review-of-ontario-auto-dispute-resolution-system-released-with-28-recommendations/</loc>
		<lastmod>2014-02-21T21:07:14+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/02/cunningham-report-recommends-a-new-tribunal-to-deal-with-sabs-disputes/</loc>
		<lastmod>2014-02-21T21:15:31+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/02/changes-coming-to-ontario-auto-insurance-drs-following-28-point-report/</loc>
		<lastmod>2014-02-24T18:14:45+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/02/the-greater-whole-2/</loc>
		<lastmod>2014-02-25T15:46:31+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/02/usage-based-insurance-draws-mixed-reactions/</loc>
		<lastmod>2014-02-25T15:50:19+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/02/icbc-projects-nearly-1billion-in-profit-from-2013-2016-government-profit-scoops-to-continue/</loc>
		<lastmod>2014-02-25T15:55:34+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/02/3400/</loc>
		<lastmod>2014-02-25T22:20:31+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/ontario-introduces-act-to-combat-auto-insurance-fraud/</loc>
		<lastmod>2014-03-04T20:12:11+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/ont-aiming-at-auto-insurance-fraud-in-bid-to-drive-rates-down/</loc>
		<lastmod>2014-03-04T23:20:06+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/liberals-target-auto-insurance-fraud-in-bid-to-drop-premiums/</loc>
		<lastmod>2014-03-05T22:11:02+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/ontario-moves-to-crack-down-on-insurance-fraud/</loc>
		<lastmod>2014-03-05T22:16:58+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/ontario-government-plans-to-move-auto-insurance-dispute-resolution-system-out-of-fsco/</loc>
		<lastmod>2014-03-05T22:23:06+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/570-news-fraud-month/</loc>
		<lastmod>2014-03-05T22:32:58+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/sprint-partners-with-ontario-connected-car-company-on-usage-based-insurance/</loc>
		<lastmod>2014-03-05T22:36:20+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/financial-services-commission-of-ontario-launches-fraud-prevention-month-campaign/</loc>
		<lastmod>2014-03-05T22:39:56+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/toronto-rehab-clinic-ordered-to-pay-75000-in-fines-in-auto-insurance-fraud-case/</loc>
		<lastmod>2014-03-07T00:36:11+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/trial-lawyers-express-concerns/</loc>
		<lastmod>2014-03-07T00:42:00+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/ontario-ndp-slams-changes-to-auto-insurance-attendant-care-benefits/</loc>
		<lastmod>2014-03-07T23:29:36+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/usage-based-insurance-promises-rate-relief-for-ontario-drivers/</loc>
		<lastmod>2014-03-10T19:52:27+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/ontario-trial-lawyers-association-calls-for-amendments-to-proposed-auto-reforms/</loc>
		<lastmod>2014-03-10T20:00:43+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/inside-queens-park-liberals-look-to-hijack-ndp-auto-insurance-strategy/</loc>
		<lastmod>2014-03-10T20:18:07+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/how-you-can-lower-car-insurance-costs/</loc>
		<lastmod>2014-03-10T20:31:57+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/accident-victims-group-ontario-pc-critic-call-for-reform-of-auto-insurers-medical-assessments/</loc>
		<lastmod>2014-03-11T22:19:24+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/saving-money-on-car-insurance-opinion-toronto-star/</loc>
		<lastmod>2014-03-13T18:28:08+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/beware-the-fine-print-in-the-fighting-fraud-and-reducing-insurance-rates-act/</loc>
		<lastmod>2014-03-13T18:36:51+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/auto-insurance-fraud-was-that-auto-accident-really-an-accident/</loc>
		<lastmod>2014-03-13T19:02:07+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/ndp-critics-criticisms-rub-brokers-the-wrong-way/</loc>
		<lastmod>2014-03-15T23:56:16+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/new-bill-proposes-doubling-fines-demerit-points-for-distracted-driving/</loc>
		<lastmod>2014-03-19T20:56:26+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/new-co-operators-program-with-ubi-technology-aims-to-reward-safe-drivers-in-ontario/</loc>
		<lastmod>2014-03-19T20:59:19+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/canadians-honest-when-it-comes-to-insurance-fraud-survey-says/</loc>
		<lastmod>2014-03-19T21:10:52+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/telematics-the-death-knell-for-brokers/</loc>
		<lastmod>2014-03-21T14:17:34+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/most-canadians-think-texting-while-driving-should-be-a-criminal-offense/</loc>
		<lastmod>2014-03-21T20:15:13+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/a-great-first-step-ibc-comment-in-the-sun/</loc>
		<lastmod>2014-03-23T16:13:01+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/3646/</loc>
		<lastmod>2014-03-28T15:37:15+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/auto-insurance-decreases-what-this-means-for-you/</loc>
		<lastmod>2014-03-28T15:43:32+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/quarter-of-polled-u-k-policyholders-prepared-to-commit-application-fraud-for-cheaper-car-insurance/</loc>
		<lastmod>2014-03-28T15:45:15+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/ontario-seeks-stakeholder-input-on-towing-and-storage-recommendations/</loc>
		<lastmod>2014-03-28T15:50:56+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/economical-insurance-and-federation-insurance-to-discontinue-writing-insurance-in-newfoundland-and-labrador/</loc>
		<lastmod>2014-03-28T16:20:50+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/opposition-politicians-criticize-ontario-government-proposal-to-reform-auto-insurance-dispute-resolution-system/</loc>
		<lastmod>2014-03-28T18:12:05+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/reforms-to-ontarios-dispute-resolution-system-are-long-overdue/</loc>
		<lastmod>2014-04-02T23:48:07+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/03/focus-bar-surprised-at-provinces-moves-on-cunningham-report/</loc>
		<lastmod>2014-04-02T23:50:12+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/automobile-insurance-in-ontario-may-be-complex-know-your-coverages/</loc>
		<lastmod>2014-04-04T00:10:43+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/why-ontarios-medical-tourism-threatens-medicare-walkom/</loc>
		<lastmod>2014-04-04T00:13:47+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/insurers-promise-discounts-to-drivers-who-allow-in-car-monitoring/</loc>
		<lastmod>2014-04-04T00:15:05+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/injury-referral-lawsuit/</loc>
		<lastmod>2014-04-04T00:17:20+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/fighting-back-against-rising-bodily-injury-severities/</loc>
		<lastmod>2014-04-04T20:08:48+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/fsco-seeks-feedback-on-draft-of-priorities-for-2014/</loc>
		<lastmod>2014-04-04T20:10:12+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/repeal-law-defining-serious-impairment-of-important-function-in-auto-lawsuits-ontario-lawyers-group-says/</loc>
		<lastmod>2014-04-04T20:12:19+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/advocate-for-disabled-says-skills-left-untapped/</loc>
		<lastmod>2014-04-08T23:28:58+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/top-10-translink-fare-evaders-owe-more-than-73000-in-fines/</loc>
		<lastmod>2014-04-08T23:31:23+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/ibc-supports-ontario-legislation-on-auto-insurance-reforms/</loc>
		<lastmod>2014-04-08T23:32:57+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/canada-ontario-governments-bill-171-threatens-access-to-justice-for-personal-injury-plaintiffs/</loc>
		<lastmod>2014-04-08T23:34:01+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/new-regulatory-developments-affecting-service-providers/</loc>
		<lastmod>2014-04-08T23:35:09+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/video-campbell-s-comments-on-bill-171-auto-insurance/</loc>
		<lastmod>2014-04-09T23:55:51+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/wild-weather-drags-down-sgis-profit-to-39-2m/</loc>
		<lastmod>2014-04-09T23:57:14+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/slight-decrease-in-auto-insurance-rates-in-new-brunswick-in-2013/</loc>
		<lastmod>2014-04-09T23:58:29+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/ontario-improving-care-for-chronic-pain-sufferers/</loc>
		<lastmod>2014-04-10T00:00:42+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/lawyers-want-more-say-on-changes-to-auto-insurance/</loc>
		<lastmod>2014-04-10T00:06:55+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/suspect-a-staged-car-crash-maybe-it-was-all-a-fraud/</loc>
		<lastmod>2014-04-10T00:07:52+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/3820/</loc>
		<lastmod>2014-04-14T22:14:59+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/want-to-keep-teen-insurance-costs-in-check-start-them-young-start-them-early/</loc>
		<lastmod>2014-04-14T22:16:10+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/will-you-get-a-cheque-in-the-mail-icbc-paying-up-after-overcharging-40000-customers/</loc>
		<lastmod>2014-04-14T22:17:36+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/ibcs-palumbo-to-ontario-mpps-are-you-listening/</loc>
		<lastmod>2014-04-23T13:52:55+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/what-to-do-after-a-car-accident-the-dos-and-donts/</loc>
		<lastmod>2014-04-29T01:57:05+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/walking-a-mile-in-their-shoes/</loc>
		<lastmod>2014-04-29T01:58:21+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/the-perils-of-the-opening-statement/</loc>
		<lastmod>2014-04-29T01:59:27+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/insurance-the-oxygen-that-sustains-our-economy/</loc>
		<lastmod>2014-04-29T02:00:42+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/poor-experience-not-just-price-top-reason-consumers-look-to-switch-insurers/</loc>
		<lastmod>2014-04-29T02:01:45+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/canada-insurer-cant-sue-your-and-you/</loc>
		<lastmod>2014-04-29T02:02:46+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/a-b-i-survivor-support/</loc>
		<lastmod>2014-04-29T02:05:58+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/driver-that-struck-teen-suing-dead-boys-family/</loc>
		<lastmod>2014-04-29T02:06:46+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/sgi-seeks-input-on-auto-injury-program/</loc>
		<lastmod>2014-04-29T02:07:57+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/ontario-doctors-get-new-president-start-tough-round-of-negotiations/</loc>
		<lastmod>2014-04-29T02:11:51+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/draft-ontario-policy-on-physicians-relationship-with-industry-released-for-consultation-summary/</loc>
		<lastmod>2014-04-29T02:13:11+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/breaking-news-brokers-march-on-queens-park/</loc>
		<lastmod>2014-04-29T02:18:05+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/04/public-rails-against-bill-171-palumbo/</loc>
		<lastmod>2014-04-29T02:19:18+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/legal-decisions-changing-bodily-injury-claims-processes/</loc>
		<lastmod>2014-05-02T14:02:31+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/auto-insurance-bill-171-l-bill-189/</loc>
		<lastmod>2014-05-02T14:04:41+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/ontario-cant-reduce-auto-premiums-15-without-bill-171-brokers-group/</loc>
		<lastmod>2014-05-02T14:05:36+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/motor-mouth-the-cost-of-cheaper-insurance-is-your-privacy/</loc>
		<lastmod>2014-05-02T14:06:37+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/report-slams-ontarios-outdated-system-for-tracking-at-risk-drivers/</loc>
		<lastmod>2014-05-02T14:07:46+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/walmart-offers-auto-insurance-rate-comparisons-in-u-s/</loc>
		<lastmod>2014-05-02T14:10:11+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/ontario-automotive-insurance-changes-third-webinar/</loc>
		<lastmod>2014-05-02T14:11:22+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/evidence-required-to-dismiss-a-non-earner-benefits-claim/</loc>
		<lastmod>2014-05-02T14:12:23+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/public-rails-against-bill-171-palumbo-2/</loc>
		<lastmod>2014-05-02T14:13:32+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/new-ontario-legislation-on-auto-insurance-reforms/</loc>
		<lastmod>2014-05-02T14:14:39+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/ontario-automobile-pricing-and-product-reform-something-has-to-give/</loc>
		<lastmod>2014-05-02T14:28:42+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/fsco-releases-a-draft-statement-of-priorities-for-2014/</loc>
		<lastmod>2014-05-02T21:15:37+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/2014-ontario-budget-auto-insurance-commitments/</loc>
		<lastmod>2014-05-03T17:01:54+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/new-ontario-prosecution-office-to-focus-on-auto-insurance-fraud/</loc>
		<lastmod>2014-05-03T17:02:50+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/engaging-the-unengaged-a-huge-challenge-for-politicians/</loc>
		<lastmod>2014-05-03T18:18:16+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/red-flags-raised-over-insurer-financial-data/</loc>
		<lastmod>2014-05-05T15:48:32+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/get-in-the-know-the-difference-between-government-and-private-auto-insurance-how-to-choose/</loc>
		<lastmod>2014-05-05T16:05:30+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/why-do-ontario-lawyers-who-steal-rarely-go-to-jail/</loc>
		<lastmod>2014-05-05T18:06:20+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/the-worst-of-both-worlds/</loc>
		<lastmod>2014-05-05T18:07:55+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/proposed-wsib-changes-will-hurt-workers-advocates-say/</loc>
		<lastmod>2014-05-07T17:55:48+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/andrea-horwaths-auto-insurance-credibility-problem/</loc>
		<lastmod>2014-05-08T02:04:19+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/j-d-power-reports-one-in-10-canadian-customers-switch-auto-insurance-carriers/</loc>
		<lastmod>2014-05-08T02:07:06+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/is-the-government-checking-you-out-on-facebook/</loc>
		<lastmod>2014-05-09T00:54:54+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/personal-privacy-eroded-as-public-private-sectors-share-info/</loc>
		<lastmod>2014-05-09T00:56:09+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/partnership-is-the-best-weapon-in-the-battle-against-auto-insurance-fraud/</loc>
		<lastmod>2014-05-09T00:57:56+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/ibaos-telematics-subsidiary-reached-out-to-alberta-auto-insurance-regulator/</loc>
		<lastmod>2014-05-09T00:59:02+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/horwath-misleads-voters-orazietti/</loc>
		<lastmod>2014-05-09T01:02:46+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/fraud-overbilling-theft-ontarios-rogue-lawyers/</loc>
		<lastmod>2014-05-09T02:29:24+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/how-we-cut-our-car-insurance-bill-by-30-per-cent-mayers/</loc>
		<lastmod>2014-05-15T20:01:06+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/car-insurance-step-into-the-election-ring/</loc>
		<lastmod>2014-05-15T20:02:06+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/ontario-election-ndp-leader-andrea-horwath-vows-quicker-action-on-auto-insurance-rates/</loc>
		<lastmod>2014-05-15T20:04:20+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/horwath-promises-immediate-cuts-to-auto-insurance-rates/</loc>
		<lastmod>2014-05-15T20:05:51+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/tim-hudak-says-pcs-will-cut-personal-taxes-10-after-balancing-budget/</loc>
		<lastmod>2014-05-15T20:07:36+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/ibc-says-horwath-is-not-being-honest-with-motorists/</loc>
		<lastmod>2014-05-15T20:11:07+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/horwath-demands-auto-cuts-now/</loc>
		<lastmod>2014-05-15T20:12:20+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/horwath-blasts-liberals-on-ontario-auto-insurance-wants-cuts-passed-on-immediately/</loc>
		<lastmod>2014-05-15T20:29:24+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/otla-calls-on-provincial-candidates-to-restore-the-basic-rights-of-accident-victims/</loc>
		<lastmod>2014-05-21T09:41:14+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/one-in-10-switch-auto-insurance-carriers/</loc>
		<lastmod>2014-05-21T09:43:03+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/happy-motoring-ontario-like-paying-the-highest-insurance/</loc>
		<lastmod>2014-05-21T09:44:00+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/on-court-of-appeal-divided-in-accident-benefits-nexus-case/</loc>
		<lastmod>2014-05-21T09:45:10+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/bias-a-hot-topic-for-experts-as-getahun-debate-continues/</loc>
		<lastmod>2014-05-21T11:15:30+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/provincial-liberal-auto-plan-decreasing-insurance-rates/</loc>
		<lastmod>2014-05-26T16:48:01+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/addressing-eo-exposures-how-adjusters-can-avoid-the-squeeze-of-professional-liability-claims/</loc>
		<lastmod>2014-05-26T16:48:57+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/new-videos-show-common-staged-accident-methods-used-for-insurance-fraud/</loc>
		<lastmod>2014-05-26T16:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/meet-vic-dhillon-liberal-mpp-and-candidate-brampton-west/</loc>
		<lastmod>2014-05-26T16:52:09+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/voter-beware-the-liberal-minority/</loc>
		<lastmod>2014-05-26T16:52:59+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/blizzard-liberal-or-ndp-we-cant-afford-their-promises/</loc>
		<lastmod>2014-05-26T16:56:15+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/what-andrea-horwaths-election-platform-says-about-the-ndp-walkom/</loc>
		<lastmod>2014-05-26T16:58:43+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/what-the-ontario-party-platforms-say-about-auto-insurance/</loc>
		<lastmod>2014-05-26T17:00:04+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/we-help-cyclist-hit-by-uninsured-driver-roseman/</loc>
		<lastmod>2014-05-26T17:01:10+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/insurance-industrys-driver-monitoring-device-is-habit-forming/</loc>
		<lastmod>2014-05-26T17:04:15+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/speeding-up-court-can-be-costly-make-things-worse/</loc>
		<lastmod>2014-05-28T12:26:52+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/robots-and-the-nature-of-risk/</loc>
		<lastmod>2014-05-28T12:30:33+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/fsco-introducing-guideline-changes-next-week/</loc>
		<lastmod>2014-05-28T12:31:35+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/tribunal-declares-stress-provisions-of-workplace-safety-and-insurance-act-unconstitutional/</loc>
		<lastmod>2014-05-28T12:32:43+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/out-of-order/</loc>
		<lastmod>2014-05-28T12:33:45+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/savings-grace/</loc>
		<lastmod>2014-05-28T12:34:50+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/fsco-introducing-guideline-changes-next-week-2/</loc>
		<lastmod>2014-05-28T23:06:19+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/ontario-auto-insurance-what-are-we-paying-for/</loc>
		<lastmod>2014-05-28T23:07:02+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/05/who-should-run-queens-park-brokers-weigh-in/</loc>
		<lastmod>2014-05-28T23:08:46+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/telematics-conference-in-toronto-steers-for-answers/</loc>
		<lastmod>2014-06-01T18:37:37+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/new-kanetix-survey-shows-canadians-do-not-really-know-usage-based-insurance/</loc>
		<lastmod>2014-06-01T18:38:34+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/half-of-polled-ubi-program-customers-report-becoming-better-drivers-desjardins/</loc>
		<lastmod>2014-06-01T18:39:21+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/awareness-of-ubi-programs-low-among-canadians-but-many-willing-to-use-telematics-for-lower-premiums/</loc>
		<lastmod>2014-06-01T18:40:07+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/more-reductions-in-auto-insurance-coverage/</loc>
		<lastmod>2014-06-01T18:41:41+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/commoditization-of-usage-based-insurance-offerings-taking-place/</loc>
		<lastmod>2014-06-01T18:42:16+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/car-crashes-cost-us-871b-in-economic-societal-harm/</loc>
		<lastmod>2014-06-01T18:43:31+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/u-s-man-allegedly-used-dead-deer-to-fake-car-crashes-in-5m-insurance-scam/</loc>
		<lastmod>2014-06-01T18:44:16+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/value-of-fraudulent-claims-uncovered-by-insurers-in-u-k-hits-record-level/</loc>
		<lastmod>2014-06-04T04:01:42+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/telematics-will-succeed-on-transparency-trust-panel/</loc>
		<lastmod>2014-06-04T04:02:46+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/a-preview-of-what-ubi-in-alberta-may-look-like/</loc>
		<lastmod>2014-06-04T04:03:46+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/rationing-civil-justice/</loc>
		<lastmod>2014-06-04T04:05:02+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/lawyers-cashing-in-when-auto-insurance-claims-go-to-court/</loc>
		<lastmod>2014-06-04T04:06:21+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/balance-needed-between-interests-of-drivers-insurers/</loc>
		<lastmod>2014-06-04T04:07:36+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/safety-worth-the-investment/</loc>
		<lastmod>2014-06-04T04:08:20+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/can-an-insurer-be-added-as-a-defendant-by-the-plaintiff-to-determine-a-coverage-issue/</loc>
		<lastmod>2014-06-04T04:09:13+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/fscos-licensing-process-for-service-providers-has-begun/</loc>
		<lastmod>2014-06-04T04:10:01+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/toronto-man-who-staged-car-collisions-in-an-insurance-fraud-is-sent-to-prison/</loc>
		<lastmod>2014-06-06T11:35:49+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/telematics-at-the-tipping-point-imetrik/</loc>
		<lastmod>2014-06-06T11:36:59+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/ontario-trial-lawyers-association-elects-steven-rastin-as-new-president/</loc>
		<lastmod>2014-06-06T11:41:07+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/telematics-changes-the-dynamics-of-the-automobile-insurance-industry/</loc>
		<lastmod>2014-06-06T11:41:57+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/mig-schmig/</loc>
		<lastmod>2014-06-10T00:24:47+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/assessment-adjustment/</loc>
		<lastmod>2014-06-10T00:25:42+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/look-for-more-changes-to-ontarios-auto-insurance/</loc>
		<lastmod>2014-06-10T00:27:57+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/lawyers-divided-on-wsib-stress-claim-ruling/</loc>
		<lastmod>2014-06-10T00:28:37+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/personal-injury-law-cost-proportionality-not-always-kind-to-injured-plaintiffs/</loc>
		<lastmod>2014-06-10T00:29:28+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/corruption-in-canada/</loc>
		<lastmod>2014-06-10T00:31:03+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/fsco-issues-two-consumer-warnings-of-unlicensed-insurance-activity/</loc>
		<lastmod>2014-06-10T00:31:57+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/80-per-cent-of-canadians-unfamiliar-with-ubi-whose-fault-is-that/</loc>
		<lastmod>2014-06-10T00:32:54+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/bill-s-4-will-it-fuel-ubi-privacy-concerns/</loc>
		<lastmod>2014-06-10T00:34:10+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/re-introduction-of-bill-171-amendments-would-limit-access-to-justice-for-accident-victims/</loc>
		<lastmod>2014-06-12T14:39:45+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/next-steps-in-auto-insurance-what-action-will-our-mpps-take-to-increase-access-to-justice-for-accident-victims/</loc>
		<lastmod>2014-06-12T14:43:43+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/freedom-of-information-request-reveals/</loc>
		<lastmod>2014-06-12T14:46:25+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/telematics-nightmare-scenario-litigation/</loc>
		<lastmod>2014-06-12T20:10:16+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/fsco-inviting-insurers-law-firms-to-register-for-new-dispute-resolution-portal/</loc>
		<lastmod>2014-06-15T12:58:56+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/no-licence-no-problem-insurer-must-defend-driver-without-a-licence/</loc>
		<lastmod>2014-06-15T12:59:43+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/wynne-wins-ontario-what-happens-now-for-brokers/</loc>
		<lastmod>2014-06-15T13:00:30+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/ontario-liberals-to-reintroduce-budget-ibao-calls-for-bills-reforming-auto-claims-towing/</loc>
		<lastmod>2014-06-15T13:01:21+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/internet-users-privacy-upheld-by-canadas-top-court/</loc>
		<lastmod>2014-06-15T13:02:17+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/ontario-liberals-to-reintroduce-budget-ibao-calls-for-bills-reforming-auto-claims-towing-2/</loc>
		<lastmod>2014-06-15T13:08:57+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/what-a-liberal-majority-means-for-ontario-auto-insurers/</loc>
		<lastmod>2014-06-15T13:13:27+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/what-the-liberal-majority-government-means-for-ontario-auto-insurance/</loc>
		<lastmod>2014-06-15T13:14:59+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/an-insurance-deals-for-drivers-who-allow-their-cars-to-be-tracked/</loc>
		<lastmod>2014-06-18T16:01:20+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/ibc-leadership-and-cooperation-a-fresh-start-for-ontario-auto-insurance/</loc>
		<lastmod>2014-06-18T23:39:10+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/best-of-the-worst-in-insurance-fraud/</loc>
		<lastmod>2014-06-18T23:40:11+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/prevalence-of-aggressive-driving-troublesome-rbc-insurance/</loc>
		<lastmod>2014-06-18T23:41:08+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/manitobas-public-insurer-seeks-rate-increase-blames-bad-winter/</loc>
		<lastmod>2014-06-18T23:42:03+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/insurance-bureau-calls-for-tough-measures-in-ontario-to-fight-auto-claims-fraud/</loc>
		<lastmod>2014-06-23T13:41:47+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/how-insurers-use-social-media-facebook-twitter-instagram-against-you/</loc>
		<lastmod>2014-06-23T13:42:35+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/ontario-auto-policy-cant-drag-alberta-defendants-to-ontario/</loc>
		<lastmod>2014-06-23T13:43:26+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/should-canada-revisit-credit-rating-for-auto-underwriting/</loc>
		<lastmod>2014-06-23T13:44:45+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/do-ontario-accident-victims-heal-more-slowly/</loc>
		<lastmod>2014-06-23T13:45:27+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/revised-standard-benefit-statement/</loc>
		<lastmod>2014-06-23T23:08:34+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/rate-evasion-is-the-latest-type-of-fraud-to-hit-the-gta/</loc>
		<lastmod>2014-06-23T23:11:04+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/harsh-winter-blamed-for-rate-hike-request/</loc>
		<lastmod>2014-06-23T23:11:46+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/underwriting-loss-up-77-at-manitoba-public-insurance-as-arduous-winter-leads-to-more-auto-collisions/</loc>
		<lastmod>2014-06-27T00:36:49+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/economical-opts-not-to-move-forward-with-usage-based-insurance-right-now/</loc>
		<lastmod>2014-06-27T00:39:26+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/a-liberal-majority-helping-or-hurting/</loc>
		<lastmod>2014-06-27T00:40:12+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/aviva-canada-seeks-damages-against-broker-employee-it-says-conspired-with-policyholders-for-cheaper-premiums/</loc>
		<lastmod>2014-06-27T00:41:30+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/queens-park-update-auto-insurance-bills-may-have-to-wait/</loc>
		<lastmod>2014-06-28T12:16:59+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/thousands-denied-federal-disability-benefits-waiting-more-than-a-year-for-appeals/</loc>
		<lastmod>2014-06-28T12:18:20+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/mental-stress-claim-upheld-by-workplace-safety-and-insurance-appeals-tribunal/</loc>
		<lastmod>2014-06-28T12:18:59+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/06/ontarios-workers-compensation-system-is-under-attack/</loc>
		<lastmod>2014-06-28T12:41:22+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/seizing-advantage/</loc>
		<lastmod>2014-07-04T18:08:40+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/cyber-2-0/</loc>
		<lastmod>2014-07-04T18:09:37+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/ontario-liberals-to-renew-push-for-lower-car-insurance-mayers/</loc>
		<lastmod>2014-07-04T18:13:34+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/economical-to-take-the-sidelines-on-telematics/</loc>
		<lastmod>2014-07-04T18:15:43+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/wednesday-whats-hot-on-canlii/</loc>
		<lastmod>2014-07-04T18:20:55+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/driving-down-insurance-rates/</loc>
		<lastmod>2014-07-07T23:01:32+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/loose-ends-can-wipe-out-comprehensive-settlements/</loc>
		<lastmod>2014-07-07T23:02:28+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/fewer-claimants-successful-when-appealing-disability-benefit-denials-2/</loc>
		<lastmod>2014-07-09T23:29:42+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/why-ontario-drivers-pay-the-highest-car-insurance-rates-in-the-country/</loc>
		<lastmod>2014-07-09T23:30:57+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/car-insurance-companies-want-to-track-your-every-move-and-youre-going-to-let-them/</loc>
		<lastmod>2014-07-10T22:35:59+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/driving-down-insurance-rates-2/</loc>
		<lastmod>2014-07-10T22:36:51+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/private-insurance-a-rip-off-says-cac/</loc>
		<lastmod>2014-07-10T22:37:46+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/did-a-dashcam-save-this-man-from-a-hamilton-parking-lot-crash-scam/</loc>
		<lastmod>2014-07-16T12:27:25+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/liberals-renew-bill-to-reduce-auto-insurance-rates/</loc>
		<lastmod>2014-07-16T12:29:52+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/caa-brings-usage-based-insurance-to-ontario/</loc>
		<lastmod>2014-07-16T12:31:33+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/stop-cell-service-to-vehicles-says-broker/</loc>
		<lastmod>2014-07-16T12:32:24+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/improved-interactions-drive-gains-in-customer-satisfaction-with-auto-insurance-claims-in-canada-j-d-power/</loc>
		<lastmod>2014-07-16T13:08:56+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/mediation-in-personal-injury-actions-ontario/</loc>
		<lastmod>2014-07-16T23:20:19+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/ontario-budgets-effect-on-car-insurance-will-be-minimal/</loc>
		<lastmod>2014-07-16T23:21:39+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/auto-insurance-rates-for-the-second-quarter-of-2014/</loc>
		<lastmod>2014-07-16T23:23:52+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/ontario-will-miss-target-of-cutting-auto-insurance-rates-8-per-cent-by-august/</loc>
		<lastmod>2014-07-16T23:24:52+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/ontario-moves-to-lower-insurance-rates/</loc>
		<lastmod>2014-07-18T03:41:52+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/liberals-make-good-on-anti-fraud-legislation/</loc>
		<lastmod>2014-07-18T03:42:59+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/liberals-revive-bill-to-cut-auto-insurance-rates/</loc>
		<lastmod>2014-07-18T03:43:47+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/ontario-taking-further-action-to-reduce-auto-insurance-rates-2/</loc>
		<lastmod>2014-07-18T03:44:42+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/staged-collisions-a-catalyst-for-larger-insurance-fraud/</loc>
		<lastmod>2014-07-18T03:45:39+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/petitioning-stephen-harper-kathleen-wynne-elizabeth-petitioning-stephen-harper-kathleen-wynne-elizabeth-dowdeswell-jim-wilson-mayors-of-gta-mpps-of-ontario/</loc>
		<lastmod>2014-07-23T16:26:32+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/lowest-speed-limits-costliest-insurance/</loc>
		<lastmod>2014-07-23T16:28:57+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/staged-collisions-becoming-more-sophisticated-lucrative/</loc>
		<lastmod>2014-07-23T16:30:23+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/despite-devastating-injuries-perth-farmer-barred-from-suing-hit-and/</loc>
		<lastmod>2014-07-23T16:31:38+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/canadian-insurance-companies-can-legally-practice-genetic-discrimination/</loc>
		<lastmod>2014-07-23T16:32:36+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/ibc-fact-check-bill-15-will-help-ontarios-9-million-drivers/</loc>
		<lastmod>2014-07-23T16:33:36+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/shielding-doctors-from-the-consequences-of-their-actions-isnt-fair-to-patients-and-wont-improve-health-care/</loc>
		<lastmod>2014-07-23T16:34:53+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/is-a-fsco-arbitration-backlog-developing/</loc>
		<lastmod>2014-07-23T22:43:55+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/toronto-area-rehab-clinic-convicted-of-fraud-fined-200000-plus-restitution/</loc>
		<lastmod>2014-07-23T22:46:01+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/wednesday-whats-hot-on-canlii-2/</loc>
		<lastmod>2014-07-24T21:12:32+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/can-ontario-auto-insurance-survive/</loc>
		<lastmod>2014-07-24T21:13:25+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/insurers-claim-granny-scooters-must-be-covered-just-like-cars/</loc>
		<lastmod>2014-07-24T21:14:41+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/canadian-health-law/</loc>
		<lastmod>2014-07-29T12:19:57+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/plaintiff-friendly-impairment-ruling-survives-judicial-review/</loc>
		<lastmod>2014-07-30T12:24:17+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/medical-watchdog-issues-secret-oral-caution-to-humber-river-chief-of-staff/</loc>
		<lastmod>2014-07-30T12:25:57+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/make-all-complaints-about-ontario-doctors-public-trial-lawyers/</loc>
		<lastmod>2014-07-30T13:49:11+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/state-farm-insurance-complaints-and-reviews/</loc>
		<lastmod>2014-07-30T18:33:51+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/talkbackto/</loc>
		<lastmod>2014-07-30T18:35:37+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/07/intact-financial-corporation-reports-second-quarter-results/</loc>
		<lastmod>2014-07-30T18:37:04+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/the-rise-of-the-connected-car-puts-the-web-behind-the-wheel/</loc>
		<lastmod>2014-08-07T14:48:44+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/medical-malpractice-in-the-media-the-toronto-star/</loc>
		<lastmod>2014-08-07T14:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/toronto-stars-view-hospitals-and-doctors-must-make-openness-a-top-priority/</loc>
		<lastmod>2014-08-07T14:51:53+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/magnetic-brain-stimulation-shows-promise-in-treating-depression-and-ptsd/</loc>
		<lastmod>2014-08-07T14:53:41+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/insureye-consumer-experience/</loc>
		<lastmod>2014-08-07T14:56:33+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/interest-on-litigation-loan-recovered-from-defendant-in-supreme-court-of-nova-scotia-decision/</loc>
		<lastmod>2014-08-07T14:58:13+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/n-b-auto-insurance-rates-higher-than-accident-prone-n-l/</loc>
		<lastmod>2014-08-07T14:58:55+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/too-easy/</loc>
		<lastmod>2014-08-07T15:01:38+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/jd-power-consumer-ratings-awards/</loc>
		<lastmod>2014-08-13T13:50:09+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/vote-for-the-selected-nominees-for-the-awards-of-excellence-in-brain-injury-rehabilitation-to-be-presented-by-the-ontario-brain-injury-association-obia/</loc>
		<lastmod>2014-08-13T13:51:00+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/regulate-property-insurance-consumers-have-no-way-of-knowing-if-theyre-getting-good-value-for-money-at-present-shanoff/</loc>
		<lastmod>2014-08-13T13:51:58+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/wawanesa-joins-canatics-further-increasing-investigative-footprint-in-ontario/</loc>
		<lastmod>2014-08-13T13:52:57+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/manitobans-benefit-from-public-auto-insurance-system-cac/</loc>
		<lastmod>2014-08-13T13:53:54+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/you-have-the-right-to-remain-silent-even-in-a-car-accident-case/</loc>
		<lastmod>2014-08-13T13:55:38+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/auto-insurance-changes-coming-again/</loc>
		<lastmod>2014-08-13T13:56:33+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/youve-been-served-by-a-woman-in-a-bikini/</loc>
		<lastmod>2014-08-13T13:57:29+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/certification-of-class-action-over-legal-fees-rejected/</loc>
		<lastmod>2014-08-13T13:58:44+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/seriously-injured-b-c-woman-gets-3-2-million-after-suing-husband-who-crashed-vehicle-into-moose/</loc>
		<lastmod>2014-08-13T13:59:32+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/building-obstacles/</loc>
		<lastmod>2014-08-13T14:00:21+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/disabled-read-this/</loc>
		<lastmod>2014-08-13T14:01:20+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/medical-pot-plants-not-covered-by-insurance-ontario-man-learns-the-hard-way/</loc>
		<lastmod>2014-08-13T14:05:35+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/if-a-self-driving-car-gets-in-an-accident-who-or-what-is-liable/</loc>
		<lastmod>2014-08-14T17:33:08+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/icbc-doctor-found-to-be-more-of-an-advocate-than-an-independent-professional/</loc>
		<lastmod>2014-08-16T18:54:28+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/chronic-pain-why-arent-i-getting-any-sympathy-for-my-problems/</loc>
		<lastmod>2014-08-16T18:56:06+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/scc-issues-big-change-to-contract-law/</loc>
		<lastmod>2014-08-16T18:57:32+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/telematics-a-bridge-to-an-inevitable-future-for-the-insurance-industry-report-predicts/</loc>
		<lastmod>2014-08-16T18:58:31+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/fsco-decision-reinforces-viability-of-retrospective-attendant-care-needs-assessments-form-1%e2%80%b2s/</loc>
		<lastmod>2014-08-19T00:42:23+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/how-a-tragic-accident-taught-jason-day-the-price-of-a-dream/</loc>
		<lastmod>2014-08-19T00:43:36+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/collision-reporting-centres-give-impaired-drivers-time-to-sober-up-police-union/</loc>
		<lastmod>2014-08-19T00:44:27+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/ontarios-20-year-graduated-licensing-system-has-saved-lives-but-experts-say-more-can-be-done/</loc>
		<lastmod>2014-08-19T00:46:00+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/social-security-tribunal-struggling-with-massive-backlog-documents/</loc>
		<lastmod>2014-08-19T00:48:58+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/supreme-court-denies-insurer-leave-to-appeal-ruling-on-auto-insurance-family-protection-endorsement/</loc>
		<lastmod>2014-08-20T01:01:49+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/cost-proportionality-not-always-kind-to-injured-plaintiffs/</loc>
		<lastmod>2014-08-20T01:03:45+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/driverless-cars-will-create-cities-with-no-parking-lots-congestion-collisions-and-no-car-insurance/</loc>
		<lastmod>2014-08-21T11:33:12+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/the-silver-bullet-for-ontario-auto-insurance/</loc>
		<lastmod>2014-08-21T11:34:16+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/ontario-rehab-alliance-response-to-kpmg-re-auto-insurance/</loc>
		<lastmod>2014-08-21T11:42:22+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/ontario-trial-lawyers-submission-to-kpmg-re-auto-insurance/</loc>
		<lastmod>2014-08-21T11:42:46+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/province-takes-slow-approach-to-reforming-liability-legislation/</loc>
		<lastmod>2014-08-21T23:50:55+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/liberals-must-choose-between-ontario-drivers-and-auto-insurance-industry/</loc>
		<lastmod>2014-08-21T23:52:11+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/ruling-raises-questions-about-limitation-periods/</loc>
		<lastmod>2014-08-21T23:53:13+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/is-there-a-better-system-out-there/</loc>
		<lastmod>2014-08-21T23:55:42+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/pwc-advises-insurers-to-outsource-claims-where-appropriate/</loc>
		<lastmod>2014-08-21T23:58:08+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/pwc-advises-insurers-to-outsource-claims-where-appropriate-2/</loc>
		<lastmod>2014-08-24T21:54:32+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/what-happens-when-a-lawyer-says-something-bad-to-an-ontario-jury-the-case-of-the-dismissed-jury/</loc>
		<lastmod>2014-08-24T21:57:03+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/running-hot/</loc>
		<lastmod>2014-08-24T22:09:00+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/over-70-of-mva-injuries-continue-to-be-strains-and-sprains-based-on-hcai-data/</loc>
		<lastmod>2014-08-24T22:22:28+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/most-mig-claimants-continue-to-receive-some-treatment-after-completing-mig-treatment/</loc>
		<lastmod>2014-08-28T16:00:12+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/pi-bar-warns-of-fallout-if-abs-comes/</loc>
		<lastmod>2014-08-28T16:01:09+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/forget-the-silver-bullet-use-common-sense/</loc>
		<lastmod>2014-08-28T16:02:01+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/substance-over-convenience/</loc>
		<lastmod>2014-08-28T16:04:00+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/hcai-data-most-early-treatment-is-provided-by-chiropractors-and-physiotherapists/</loc>
		<lastmod>2014-08-28T16:26:23+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/toronto-city-council-asks-province-to-consider-limits-on-property-insurance-premium-increases/</loc>
		<lastmod>2014-08-28T16:27:49+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/08/insurance-for-self-insured-disability-plans-now-required-in-ontario/</loc>
		<lastmod>2014-08-28T16:29:54+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/fraud-cartel-lures-and-abuses-crash-victims/</loc>
		<lastmod>2014-09-08T13:40:20+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/auto-insurance-bonanza/</loc>
		<lastmod>2014-09-08T13:41:32+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/creative-auto-insurance-fraud/</loc>
		<lastmod>2014-09-08T13:42:24+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/paying-out-to-avoid-costly-investigations-untenable-says-expert/</loc>
		<lastmod>2014-09-08T13:43:09+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/new-ontario-auto-bill-due-for-second-reading-in-october/</loc>
		<lastmod>2014-09-08T13:44:22+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/what-is-the-most-expensive-province-for-car-insurance/</loc>
		<lastmod>2014-09-08T13:44:57+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/desjardins-sees-spike-in-this-type-of-insurance/</loc>
		<lastmod>2014-09-08T13:45:46+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/how-expensive-are-bcs-car-insurance-rates-compared-to-other-provinces-ibc-says-we-have-the-second-highest-rates/</loc>
		<lastmod>2014-09-08T13:49:16+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/early-intervention-pre-trial-hot-tubbing-of-experts-gaining-in-appeal/</loc>
		<lastmod>2014-09-08T13:51:15+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/canadian-law-video-site-legaltube-ca-launched/</loc>
		<lastmod>2014-09-08T13:52:54+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/economical-insurance-and-its-broker-partner-mcdougall-insurance-brokers-provide-10000-to-help-fund-volunteer-training-for-spinal-cord-injury-ontarios-peer-support-program/</loc>
		<lastmod>2014-09-08T13:56:18+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/privacy-concerns-over-usage-based-auto-insurance-have-generally-decreased-towers-watson-surveys-indicate-2/</loc>
		<lastmod>2014-09-10T00:44:49+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/barriers-to-telematics-adoption-beginning-to-subside-lexisnexis/</loc>
		<lastmod>2014-09-10T02:31:13+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/how-much-liability-insurance-is-enough/</loc>
		<lastmod>2014-09-10T02:33:00+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/economical-insurance-and-its-broker-partner-mcdougall-insurance-brokers-provide-10000-to-help-fund-volunteer-training-for-spinal-cord-injury-ontarios-peer-support-program-2/</loc>
		<lastmod>2014-09-10T02:34:14+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/hefty-hike-in-md-insurance-coming-edmonton-journal/</loc>
		<lastmod>2014-09-10T02:35:18+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/good-faith-bargaining-recent-decision-implies-a-duty-to/</loc>
		<lastmod>2014-09-10T02:36:29+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/ontario-revamps-legislation-web-site/</loc>
		<lastmod>2014-09-10T02:37:20+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/unearthing-the-digital-motherlode/</loc>
		<lastmod>2014-09-10T02:38:27+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/bill-15-in-ontario-the-good-and-the-bad-re-personal-injury-law/</loc>
		<lastmod>2014-09-10T02:39:17+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/ontarios-legal-system-too-costly-and-complicated-new-chief-justice-says/</loc>
		<lastmod>2014-09-11T01:03:55+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/uninsured-and-underinsured-motorist-coverage-2014-update/</loc>
		<lastmod>2014-09-11T21:24:49+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/the-failure-of-law-societies-to-accept-their-duty-in-law-to-solve-the-unaffordable-legal-services-problem/</loc>
		<lastmod>2014-09-11T21:25:53+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/disproportionate-amounts-spent-on-independent-medical-examinations-drive-claim-costs/</loc>
		<lastmod>2014-09-11T21:27:08+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/manitoba-public-insurance-launches-texting-and-driving-simulator/</loc>
		<lastmod>2014-09-11T21:28:44+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/mitigation-of-damages-the-law-does-not-encourage-indolence/</loc>
		<lastmod>2014-09-19T14:00:15+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/self-represented-litigants-want-more-respect-from-judges/</loc>
		<lastmod>2014-09-19T14:01:18+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/speculation-no-reason-for-second-defence-medical-exam/</loc>
		<lastmod>2014-09-19T14:04:31+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/expert-opinions-and-the-garbage-in-garbage-out-principle/</loc>
		<lastmod>2014-09-19T14:06:39+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/appealing-arbitration/</loc>
		<lastmod>2014-09-19T14:08:02+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/elaborate-rules-means-justice-system-is-expensive-and-inaccessible/</loc>
		<lastmod>2014-09-19T14:09:03+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/surgeons-and-gps-more-likely-to-cause-car-accidents/</loc>
		<lastmod>2014-09-19T14:09:49+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/driving-simulator-can-teach-you-to-dodge-an-insurance-scam-crash/</loc>
		<lastmod>2014-09-19T14:10:42+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/driverless-cars-are-possible-but-not-desirable/</loc>
		<lastmod>2014-09-19T14:11:44+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/clients-feel-scammed-as-alleged-lawyer-misconduct-kept-quiet/</loc>
		<lastmod>2014-09-19T14:12:32+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/ottawas-unjust-approach-to-disability-insurance/</loc>
		<lastmod>2014-09-19T14:13:25+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/independence-and-self-regulation-im-ok-but-im-not-so-sure-about-you/</loc>
		<lastmod>2014-09-19T14:15:50+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/n-s-government-takes-parents-to-court-over-daughters-insurance-settlement/</loc>
		<lastmod>2014-09-19T14:16:55+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/auto-accident-benefits-changes-coming-again/</loc>
		<lastmod>2014-09-19T14:18:25+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/chronic-pain-cases-why-its-important-to-have-a-family-doctor/</loc>
		<lastmod>2014-09-21T19:34:51+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/infection-outbreak-at-pain-clinic-sparks-calls-for-greater-transparency/</loc>
		<lastmod>2014-09-24T12:42:47+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/toronto-public-health-needs-to-warn-public-about-bad-clinics-editorial/</loc>
		<lastmod>2014-09-24T12:44:03+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/cpso-takes-action-on-rothbart-clinic-story/</loc>
		<lastmod>2014-09-24T12:52:17+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/update-on-changes-to-ontario-automobile-legislation-2014-and-beyond/</loc>
		<lastmod>2014-09-24T12:52:58+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/15-rate-reduction-in-ontario-not-doable-ibc-exec-says/</loc>
		<lastmod>2014-09-24T12:54:22+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/going-it-alone/</loc>
		<lastmod>2014-09-24T14:28:56+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/unrepresented-litigants-make-plea-for-compassion/</loc>
		<lastmod>2014-09-24T14:29:51+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/poll-results/</loc>
		<lastmod>2014-09-24T14:32:18+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/n-s-mom-collects-700-signatures-in-fight-to-save-daughters-insurance-settlement/</loc>
		<lastmod>2014-09-25T20:12:13+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/insurance-firms-facing-a-lot-more-disciplinary-action-at-the-provincial-level-lawyer-warns/</loc>
		<lastmod>2014-09-25T20:13:04+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/disability-makes-poverty-likelier-than-ever-report/</loc>
		<lastmod>2014-09-25T20:14:08+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/09/pain-clinic-doctor-faces-disciplinary-hearing-after-outbreak/</loc>
		<lastmod>2014-09-25T20:15:04+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/liability-rule-costing-taxpayers-county/</loc>
		<lastmod>2014-10-01T00:22:13+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/attacking-fraud/</loc>
		<lastmod>2014-10-01T00:23:25+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/damages-on-tap/</loc>
		<lastmod>2014-10-01T00:24:52+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/hepatitis-c-outbreaks-at-three-toronto-colonoscopy-clinics-kept-secret/</loc>
		<lastmod>2014-10-01T00:25:55+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/privacy-law-litigation-in-ontario-from-the-bank-to-the-hospital-and-beyond/</loc>
		<lastmod>2014-10-01T00:26:54+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/ontario-wsiat-strikes-down-mental-stress-restrictions/</loc>
		<lastmod>2014-10-01T00:29:15+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/ontario-social-assistance-increased-slightly/</loc>
		<lastmod>2014-10-01T00:30:41+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/aviva-head-slams-car-insurance-review/</loc>
		<lastmod>2014-10-01T00:32:12+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/public-must-be-informed-about-disease-outbreaks-at-health-clinics-editorial/</loc>
		<lastmod>2014-10-02T20:21:41+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/provincial-state-medical-regulators-must-report-doctors-to-police/</loc>
		<lastmod>2014-10-02T20:22:16+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/they-cheat-you-pay-ibc-top-10-tips-to-detect-and-avoid-auto-insurance-fraud/</loc>
		<lastmod>2014-10-02T20:23:29+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/law-society-probes-hamstrung-by-heavy-caseloads-and-gag-rule-ex-auditor-says/</loc>
		<lastmod>2014-10-02T20:25:22+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/automobile-insurance-benefits-increase/</loc>
		<lastmod>2014-10-02T20:30:01+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/insurance-for-young-drivers-ranges-from-exorbitant-to-utterly-unaffordable/</loc>
		<lastmod>2014-10-02T20:31:30+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/premier-kathleen-wynne-pledges-action-on-issue-of-rogue-lawyers-star-investigation/</loc>
		<lastmod>2014-10-02T20:34:07+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2014/10/b-c-s-fees-shouldnt-bar-access-to-legal-system-top-court-rules/</loc>
		<lastmod>2014-10-02T20:35:37+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/rate-reduction-target-for-ontario-auto-may-negatively-impact-underwriting-profitability-osfi/</loc>
		<lastmod>2014-10-02T20:36:07+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/proposed-accident-benefits-amendment-on-interest-rates-for-car-accident-injury-victims/</loc>
		<lastmod>2014-10-02T22:36:06+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/car-accident-claims-and-barriers-to-justice-ontario/</loc>
		<lastmod>2014-10-07T00:41:52+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/heres-how-technology-is-being-used-to-fight-insurance-fraud/</loc>
		<lastmod>2014-10-07T00:42:54+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/focus-how-to-avoid-settlers-remorse/</loc>
		<lastmod>2014-10-07T00:45:21+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/charge-in-costco-death-raises-interesting-legal-questions/</loc>
		<lastmod>2014-10-07T00:46:24+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/clairmont-dying-hamilton-man-not-sick-enough-for-benefits/</loc>
		<lastmod>2014-10-07T00:51:35+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/public-safety-must-be-top-priority/</loc>
		<lastmod>2014-10-09T20:28:02+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/ontario-balks-at-reviewing-act-that-governs-physicians-conduct/</loc>
		<lastmod>2014-10-09T20:29:09+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/provinces-23-regulatory-colleges-scramble-to-meet-transparency-deadline/</loc>
		<lastmod>2014-10-09T20:30:17+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/car-insurers-can-monitor-your-actual-driving-habits/</loc>
		<lastmod>2014-10-09T20:31:09+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/a-proposal-to-add-information-to-the-public-register-criminal-code-and-health-insurance-act-offences-and-certain-bail-conditions/</loc>
		<lastmod>2014-10-09T20:32:29+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/opinion-avoidable-infection-in-private-clinics-in-search-of-transparency-and-effective-prevention/</loc>
		<lastmod>2014-10-09T20:42:40+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/technology-and-auto-insurance-boom-or-bust/</loc>
		<lastmod>2014-10-09T22:01:01+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/pedestrian-cyclist-car-accident-pitfalls-why-having-car-insurance-matters-even-when-youre-not-driving/</loc>
		<lastmod>2014-10-16T14:33:10+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/ontario-health-minister-to-review-secrecy-involving-doctors/</loc>
		<lastmod>2014-10-16T14:34:07+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/lawyers-correspondence-doesnt-meet-threshold-for-incivility-hearing-panel/</loc>
		<lastmod>2014-10-16T14:36:51+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/disability-can-and-does-happen/</loc>
		<lastmod>2014-10-16T14:37:48+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/b-c-court-fees-tossed-by-scc/</loc>
		<lastmod>2014-10-16T14:38:46+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/update-on-fraud/</loc>
		<lastmod>2014-10-16T14:41:19+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/driverless-car-coverage-forget-driver-history/</loc>
		<lastmod>2014-10-16T14:42:16+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/auto-insurance-bill-171-l-bill-189-2/</loc>
		<lastmod>2014-10-16T14:45:27+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/ontarians-against-fsco-recommendations-for-auto-insurance/</loc>
		<lastmod>2014-10-16T14:46:58+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/petition-against-ontario-auto-insurance-reforms/</loc>
		<lastmod>2014-10-16T14:48:07+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/fsco-and-imes-reducing-fraud-through-proactivity/</loc>
		<lastmod>2014-10-16T14:49:46+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/ora-takes-aim-at-proposed-benefits-changes/</loc>
		<lastmod>2014-10-16T14:50:39+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/pinnacle-automobile-insurance-third-party-liability-bodily-injury-closed-claim-study-in-ontario-2014/</loc>
		<lastmod>2014-10-16T14:53:20+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/aerial-drones-can-help-insurers-meet-customer-expectations-quickly-sma-reports/</loc>
		<lastmod>2014-10-16T23:29:49+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/the-test-to-determine-whether-an-insured-permitted-the-unauthorized-use-of-a-motor-vehicle/</loc>
		<lastmod>2014-10-16T23:30:48+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/auto-insurance-rate-cut-behind-schedule-ontario-insists-it-will-meet-target/</loc>
		<lastmod>2014-10-16T23:32:13+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/transparency-of-physician-specific-information/</loc>
		<lastmod>2014-10-17T14:07:49+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/kelly-mcparland-ontarios-government-saves-nickels-while-letting-millions-slip-away/</loc>
		<lastmod>2014-10-23T14:32:05+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/letter-in-praise-of-civil-jury-trials/</loc>
		<lastmod>2014-10-23T14:33:51+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/ontarios-rate-reduction-strategy-likely-to-fall-short/</loc>
		<lastmod>2014-10-23T14:35:27+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/evolving-with-customers/</loc>
		<lastmod>2014-10-23T14:38:23+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/canada-other-material-evidence-of-involvement-of-unidentified-vehicle-for-ontario-court-evidence-of-otherness-is-less-material/</loc>
		<lastmod>2014-10-28T18:56:05+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/usage-based-insurance-take-up-in-quebec-not-a-real-success-to-date/</loc>
		<lastmod>2014-10-28T18:57:03+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/successful-motion-confirms-defendants-right-to-prepare-insurer-examiners-for-trial/</loc>
		<lastmod>2014-10-28T19:03:16+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/price-alone-is-not-driving-factors-for-some-consumers-insurer-ceos/</loc>
		<lastmod>2014-10-28T19:04:06+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/how-to-protect-yourself-from-staged-collisions/</loc>
		<lastmod>2014-10-28T19:04:56+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/canada-wsib-limits-on-mental-stress-claims-found-unconstitutional/</loc>
		<lastmod>2014-10-28T19:06:03+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/ubi-taking-hold/</loc>
		<lastmod>2014-10-29T22:40:55+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/10/ontario-pc-party-wants-more-time-to-consider-auto-insurance-reform-bill/</loc>
		<lastmod>2014-10-29T22:42:00+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/barrett-urges-drivers-to-testify-on-ontario-auto-insurance-and-bill-15/</loc>
		<lastmod>2014-11-08T16:13:42+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/lawyer-first-in-ontario-to-be-disbarred-over-sexual-harassment/</loc>
		<lastmod>2014-11-08T16:14:49+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/david-o-says-auto-insurance-rates-already-down/</loc>
		<lastmod>2014-11-08T16:26:26+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/safety-inspections-find-13-of-private-clinics-dont-meet-provincial-standards/</loc>
		<lastmod>2014-11-08T17:39:14+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/a-hard-time-for-tort-insurers/</loc>
		<lastmod>2014-11-08T17:41:26+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/critics-say-ontario-expanding-too-quickly-into-risky-private-clinics/</loc>
		<lastmod>2014-11-08T17:43:25+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/second-gta-physician-no-longer-allowed-to-treat-women/</loc>
		<lastmod>2014-11-08T17:55:51+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/liberal-government-accused-of-ignoring-sexual-harassment/</loc>
		<lastmod>2014-11-08T18:03:12+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/toronto-man-charged-after-police-say-fake-auto-insurance-sold-over-1-million-in-claims-paid/</loc>
		<lastmod>2014-11-08T18:04:25+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/public-hearings-slated-for-ontario-legislation/</loc>
		<lastmod>2014-11-08T18:34:02+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/combined-ratio-down-9-6-points-net-income-more-than-quadruples-for-intact-financial/</loc>
		<lastmod>2014-11-08T18:35:17+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/tougher-action-urged-to-probe-doctors-guilty-of-sex-abuse/</loc>
		<lastmod>2014-11-08T18:36:14+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/ibc-works-with-insurers-and-toronto-police-services-on-fraud-case/</loc>
		<lastmod>2014-11-08T18:39:49+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/sanctioned-md-sastri-maharajh-allowed-to-treat-only-men-switches-to-new-clinic/</loc>
		<lastmod>2014-11-08T18:43:59+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/second-gta-physician-no-longer-allowed-to-treat-women-2/</loc>
		<lastmod>2014-11-08T18:45:49+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/in-personal-injury-law-the-right-lawyer-is-key/</loc>
		<lastmod>2014-11-08T18:46:46+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/ibc-warns-torontonians-not-to-buy-car-insurance-in-public/</loc>
		<lastmod>2014-11-08T18:47:37+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/govt-good-at-promises/</loc>
		<lastmod>2014-11-08T18:48:43+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/abuse-by-doctors-raises-questions-about-sex-specific-sanctions/</loc>
		<lastmod>2014-11-08T18:52:27+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/zero-tolerance-for-sex-abuse-by-doctors-must-be-enforced-editorial/</loc>
		<lastmod>2014-11-08T18:53:27+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/overstating-severity-of-collision-leads-to-claim-dismissal-following-low-velocity-impact/</loc>
		<lastmod>2014-11-08T18:54:30+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/judge-tosses-out-lawyers-unmeritorious-claims-against-colleagues/</loc>
		<lastmod>2014-11-11T02:54:34+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/md-suspended-accused-of-treating-female-patients/</loc>
		<lastmod>2014-11-11T02:55:41+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/abuse-by-doctors-raises-questions-about-sex-specific-sanctions-2/</loc>
		<lastmod>2014-11-11T02:56:38+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/editorial-more-doubts-about-evidence-experts/</loc>
		<lastmod>2014-11-11T02:59:11+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/new-ontario-auto-insurance-legislation-favours-insurance-companies/</loc>
		<lastmod>2014-11-11T03:00:12+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/new-auto-insurance-bill-hurts-drivers-otla/</loc>
		<lastmod>2014-11-17T14:29:54+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/atvs-accident-benefits-and-lawsuits-timing-is-everything/</loc>
		<lastmod>2014-11-17T14:30:43+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/committee-transcripts-standing-committee-on-general-government-2014-nov-05-bill-15-fighting-fraud-and-reducing-automobile-insurance-rates-act-2014/</loc>
		<lastmod>2014-11-17T14:31:44+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/ban-molesting-mds-altogether/</loc>
		<lastmod>2014-11-17T14:35:39+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/privatization-of-justice-balancing-efficiency-and-access-to-justice/</loc>
		<lastmod>2014-11-17T14:36:41+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/judge-vs-jury-decisions-differ-in-injury-cases/</loc>
		<lastmod>2014-11-17T14:37:35+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/sgi-seeks-public-feedback-on-possible-auto-injury-program-changes/</loc>
		<lastmod>2014-11-17T14:38:26+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/towing-firms-propose-changes-to-ontario-auto-insurance-fraud-bill/</loc>
		<lastmod>2014-11-17T14:39:17+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/halton-cop-charged-with-fraud/</loc>
		<lastmod>2014-11-17T14:41:38+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/legal-feeds-blog-scc-establishes-duty-of-honesty-between-contracting-parties/</loc>
		<lastmod>2014-11-17T14:42:54+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/supreme-court-of-canada-ruling-makes-honesty-the-law-for-businesses/</loc>
		<lastmod>2014-11-17T14:43:44+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/clinical-record-disclosure-thwarts-adverse-inference-request/</loc>
		<lastmod>2014-11-19T23:59:31+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/fitbit-data-now-being-used-in-the-courtroom/</loc>
		<lastmod>2014-11-20T00:01:18+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/the-most-interesting-man-at-queens-park/</loc>
		<lastmod>2014-11-20T00:02:20+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/growth-slows-and-revenues-fall-liberals-economic-statement/</loc>
		<lastmod>2014-11-20T00:03:23+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/motherisk-concerns-a-wake-up-call-for-family-lawyers/</loc>
		<lastmod>2014-11-20T01:19:27+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/college-wont-explain-restrictions-put-on-pediatrician-convicted-of-sex-assault/</loc>
		<lastmod>2014-11-20T01:25:02+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/taking-steps-to-keep-auto-insurance-affordable/</loc>
		<lastmod>2014-11-20T01:26:41+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/auto-insurance-a-huge-but-crucial-investment/</loc>
		<lastmod>2014-11-20T01:27:48+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/bc-court-of-appeal-interest-disbursements-not-recoverable-in-injury-litigation/</loc>
		<lastmod>2014-11-20T01:38:11+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/toronto-towing-firm-charged-with-fraud-after-insurer-investigation/</loc>
		<lastmod>2014-11-20T01:39:14+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/insurance-industry-must-tackle-global-underinsurance-problem-geneva-association-says/</loc>
		<lastmod>2014-11-20T01:40:36+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/auto-insurance-a-huge-but-important-investment/</loc>
		<lastmod>2014-11-20T01:41:22+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/privacy-a-rare-protection-for-personal-injury-plaintiffs/</loc>
		<lastmod>2014-11-20T01:58:00+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/fraud-charges-laid-against-toronto-towing-owneroperator/</loc>
		<lastmod>2014-11-20T01:59:28+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/long-term-disability-claims-the-insurance-companys-greatest-defence-are-the-offsets/</loc>
		<lastmod>2014-11-20T02:12:53+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/crash-risk-drops-40-for-young-drivers-using-telematics-programs-u-k-provider-says/</loc>
		<lastmod>2014-11-20T02:13:52+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/ontarios-fall-economic-statement-focuses-on-auto-insurance-consumer-protection/</loc>
		<lastmod>2014-11-20T02:14:51+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/ibc-pleased-auto-insurance-bill-passes-in-ontario/</loc>
		<lastmod>2014-11-22T02:15:24+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/province-drives-through-auto-insurance-rate-reductions/</loc>
		<lastmod>2014-11-22T02:16:14+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/new-auto-insurance-legislation-restricts-right-to-sue-critics-say/</loc>
		<lastmod>2014-11-22T02:17:09+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/auto-insurance-bill-passes-in-ontario-legislature/</loc>
		<lastmod>2014-11-22T02:18:03+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/auto-insurance-legislation-passes-will-help-reduce-costs-and-fight-fraud/</loc>
		<lastmod>2014-11-22T02:18:53+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/ontario-targets-fraud-to-help-cut-auto-insurance-by-15-per-cent/</loc>
		<lastmod>2014-11-22T02:19:46+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/ibc-brokers-pleased-auto-insurance-bill-passes-in-ontario/</loc>
		<lastmod>2014-11-22T02:20:51+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/ontario-passes-bill-to-cut-auto-insurance-rates-an-average-of-15/</loc>
		<lastmod>2014-11-22T02:21:50+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/ontario-passes-new-auto-insurance-legislation/</loc>
		<lastmod>2014-11-22T02:22:42+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/aviva-canada-applauds-ontario-governments-passing-of-bill-15/</loc>
		<lastmod>2014-11-26T01:06:07+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/how-ontario-can-further-cut-auto-insurance-rates/</loc>
		<lastmod>2014-11-26T01:06:56+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/canadas-ontario-cuts-motor-insurance-premium-but-denies-right-to-sue-insurance-firms-inviting-protests/</loc>
		<lastmod>2014-11-26T01:07:57+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/link-driver-testing-to-premium-point-broker/</loc>
		<lastmod>2014-11-26T01:08:51+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/make-it-impossible-for-him-to-do-business-again/</loc>
		<lastmod>2014-11-26T01:09:53+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/bill-15-fighting-fraud-and-reducing-automobile-insurance-rates-act-2014/</loc>
		<lastmod>2014-11-26T01:11:46+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/court-upholds-1-15-million-damages-award/</loc>
		<lastmod>2014-11-26T01:13:21+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/judicial-vacancies-delaying-cases-in-ontario/</loc>
		<lastmod>2014-11-26T01:14:15+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/workplace-safety-board-still-rewards-dangerous-employers/</loc>
		<lastmod>2014-11-26T01:15:08+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/wsib-says-no-to-u-s-program-that-inspired-double-amputee-to-walk/</loc>
		<lastmod>2014-11-26T01:17:02+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/social-security-tribunal-says-more-than-14600-canadians-are-now-waiting-for-a-hearing/</loc>
		<lastmod>2014-11-26T01:18:25+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/jail-term-applauded-by-insurer/</loc>
		<lastmod>2014-11-26T01:19:18+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/ontarios-bill-15-a-good-first-step-but-claims-costs-must-be-reduced-insurer-says/</loc>
		<lastmod>2014-11-26T01:20:22+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/11/ibao-applauds-passage-of-bill-15/</loc>
		<lastmod>2014-11-26T01:23:38+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/wsib-response-to-ofl-report/</loc>
		<lastmod>2014-12-01T23:27:31+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/battle-is-won-but-the-war-continues/</loc>
		<lastmod>2014-12-01T23:28:16+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/why-do-young-drivers-crash-its-a-brain-thing/</loc>
		<lastmod>2014-12-01T23:29:43+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/new-brokerage-focused-on-telematics-in-ontario-alberta/</loc>
		<lastmod>2014-12-01T23:30:27+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/the-wool-over-our-eyes/</loc>
		<lastmod>2014-12-02T00:07:43+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/the-use-of-an-interpreter-on-its-own-is-irrelevant-to-the-issue-of-credibility/</loc>
		<lastmod>2014-12-02T00:08:36+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/a-good-start-but-government-patience-is-needed-broker/</loc>
		<lastmod>2014-12-02T00:09:30+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/supreme-court-of-canada-grants-zurich-insurance-leave-to-appeal-ruling-over-ontario-auto-pay-first-dispute-later-system/</loc>
		<lastmod>2014-12-02T00:10:33+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/speakers-corner-should-regulators-report-suspected-crimes-to-police/</loc>
		<lastmod>2014-12-02T00:11:22+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/achieving-the-fundamental-goal-of-the-civil-justice-system/</loc>
		<lastmod>2014-12-02T00:12:24+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/message-is-trial-judges-act-as-filter-on-expert-evidence/</loc>
		<lastmod>2014-12-02T00:13:29+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/judicial-vacancies-pile-up/</loc>
		<lastmod>2014-12-02T00:14:19+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/community-expresses-outrage-with-health-groups-cuts/</loc>
		<lastmod>2014-12-02T00:58:46+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/another-queens-park-computer-mess-union-says/</loc>
		<lastmod>2014-12-02T00:59:41+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/new-disability-support-management-system-expected-to-hamper-client-service-opseu/</loc>
		<lastmod>2014-12-02T01:00:33+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/government-was-warned-new-social-assistance-payment-system-flawed-opseu/</loc>
		<lastmod>2014-12-02T01:01:35+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/conviction-made-in-toronto-based-staged-collision-ring-ibc-2/</loc>
		<lastmod>2014-12-02T01:08:01+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/will-my-insurance-rates-increase-if-a-friend-crashes-my-car/</loc>
		<lastmod>2014-12-03T22:43:41+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/kitchener-among-communities-with-fewest-crash-claims-study/</loc>
		<lastmod>2014-12-03T22:44:32+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/jail-restitution-ordered-for-staged-collision-ring/</loc>
		<lastmod>2014-12-03T22:45:22+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/ontario-ombudsman-accuses-auditor-general-of-perilous-power-play/</loc>
		<lastmod>2014-12-03T22:46:14+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/ontario-government-proposes-limits-on-defamation-lawsuits-for-public-interest-communications/</loc>
		<lastmod>2014-12-03T22:47:03+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/critics-slam-premier-over-welfare-payout-glitch/</loc>
		<lastmod>2014-12-03T22:47:54+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/computer-glitch-sent-hundreds-of-thousands-in-welfare-payments-by-mistake-kathleen-wynne-says/</loc>
		<lastmod>2014-12-03T22:48:41+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/patients-urged-to-fight-home-care-cuts-by-filing-appeals/</loc>
		<lastmod>2014-12-03T22:49:23+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/hunger-report-use-of-food-banks-soaring-across-ontario/</loc>
		<lastmod>2014-12-03T22:50:13+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/canada-bill-15-further-erosion-of-rights-and-benefits-for-auto-accident-victims/</loc>
		<lastmod>2014-12-03T22:51:05+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/bc-injury-law-and-icbc-claims-blog/</loc>
		<lastmod>2014-12-03T23:59:21+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/cpp-disability-benefits-denied-to-60-of-applicants-among-highest-rejection-rates-in-world/</loc>
		<lastmod>2014-12-04T00:00:34+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/how-the-wsib-is-failing-the-injured-workers-of-ontario/</loc>
		<lastmod>2014-12-04T00:01:38+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/allstate-canada-data-reveals-december-is-the-worst-month-for-collisions/</loc>
		<lastmod>2014-12-04T00:02:40+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/pcs-ndp-demand-liberals-apologize-for-errors-with-welfare-disability-payments/</loc>
		<lastmod>2014-12-04T00:03:36+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/the-dangers-of-non-lawyer-owned-law-firms/</loc>
		<lastmod>2014-12-04T00:04:44+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/allstate-says-rate-of-accident-claims-is-highest-in-ottawa/</loc>
		<lastmod>2014-12-04T23:52:33+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/operating-in-the-new-regime-effective-december-1-2014/</loc>
		<lastmod>2014-12-04T23:53:21+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/far-out-friday-insurance-payout-for-woman-run-over-by-dog/</loc>
		<lastmod>2014-12-10T00:29:52+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/are-insurers-using-cost-control-tools-properly/</loc>
		<lastmod>2014-12-10T00:32:00+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/college-of-physicians-and-surgeons-launches-review-of-sexual-abuse-policy/</loc>
		<lastmod>2014-12-10T00:32:57+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/odsp-nightmare-with-new-system/</loc>
		<lastmod>2014-12-10T00:33:50+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/what-do-you-think/</loc>
		<lastmod>2014-12-10T00:34:36+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/faith-in-justice-restored/</loc>
		<lastmod>2014-12-10T00:35:19+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/tow-truck-drivers-protest-bill-15/</loc>
		<lastmod>2014-12-10T00:36:11+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/auto-insurance-rate-increase-approved-in-manitoba/</loc>
		<lastmod>2014-12-10T00:37:11+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/support-food-banks-but-also-support-making-them-obsolete/</loc>
		<lastmod>2014-12-10T00:38:35+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/injured-disabled-workers-stage-rally-calling-for-wsib-changes/</loc>
		<lastmod>2014-12-10T00:39:51+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/making-ohip-billings-public-could-alter-ontarios-health-care-landscape/</loc>
		<lastmod>2014-12-10T00:40:27+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/surgeon-wait-lists-to-be-kept-secret/</loc>
		<lastmod>2014-12-10T00:41:15+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/a-win-win-for-drivers-and-the-towing-industry/</loc>
		<lastmod>2014-12-10T01:15:06+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/therapists-feel-the-bite-from-bill-15/</loc>
		<lastmod>2014-12-10T01:16:34+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/tow-truck-drivers-converge-on-queens-park-to-protest-new-law/</loc>
		<lastmod>2014-12-10T01:18:08+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/tow-truck-drivers-slow-down-toronto-commute-to-protest-new-auto-insurance-law/</loc>
		<lastmod>2014-12-10T01:19:14+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/protesting-tow-truck-drivers-block-traffic-at-queens-park/</loc>
		<lastmod>2014-12-10T01:20:48+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/ndp-to-introduce-bill-to-make-ohip-billings-public/</loc>
		<lastmod>2014-12-16T00:30:56+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/tow-truck-protesters-take-to-the-streets-in-brampton-and-toronto/</loc>
		<lastmod>2014-12-16T00:33:04+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/how-will-google-apple-shake-up-car-insurance-industry/</loc>
		<lastmod>2014-12-16T00:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/recent-ontario-auto-insurance-reforms-could-impact-whole-canadian-pc-market-a-m-best/</loc>
		<lastmod>2014-12-16T00:34:47+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/mixed-industry-reaction-to-ofls-wsib-review/</loc>
		<lastmod>2014-12-16T00:37:04+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/ontario-should-ask-ottawa-regulate-all-insurers-auditor-general/</loc>
		<lastmod>2014-12-16T00:37:47+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/plaintiff-protection/</loc>
		<lastmod>2014-12-16T00:40:47+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/with-a-new-year-a-new-rule-48/</loc>
		<lastmod>2014-12-16T00:41:33+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/should-a-government-demand-money-from-an-accident-settlement/</loc>
		<lastmod>2014-12-16T00:44:22+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/be-careful-what-you-wish-for-on-doctors-billings/</loc>
		<lastmod>2014-12-17T16:54:24+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2014/12/task-force-appointed-to-review-sexual-abuse-by-health-professionals/</loc>
		<lastmod>2014-12-17T16:55:53+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2014/12/75000-non-pecuniary-damages-for-chronic-pain-following-three-collisions/</loc>
		<lastmod>2014-12-17T16:56:43+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2014/12/former-tv-reality-star-surrenders-for-felony-insurance-fraud/</loc>
		<lastmod>2014-12-17T16:57:41+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/nova-scotia-to-review-policy-around-insurance-for-catastrophic-injuries/</loc>
		<lastmod>2014-12-17T16:58:33+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/arrests-made-1-million-in-stolen-vehicles-recovered-in-ontario-auto-fraud-investigation/</loc>
		<lastmod>2014-12-30T22:26:12+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/union-takes-ontario-to-court-over-welfare-computer-problems/</loc>
		<lastmod>2014-12-30T22:27:18+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2014/12/ontario-appoints-task-force-to-review-sexual-abuse-by-health-professionals/</loc>
		<lastmod>2014-12-30T22:28:12+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2014/12/federal-government-fills-ontario-court-vacancies/</loc>
		<lastmod>2014-12-30T22:29:03+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/accessing-justice-through-legal-expense-insurance-a-new-perspective-for-the-injured-claimant/</loc>
		<lastmod>2014-12-30T22:30:06+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2014/12/new-fsco-decision-limits-timelines-for-examination-under-oath-for-specified-benefits/</loc>
		<lastmod>2014-12-30T22:47:16+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/canadian-doctors-improper-insurance-billings-near-25m/</loc>
		<lastmod>2014-12-30T22:48:18+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/ontario-court-ruling-helps-clarify-municipalities-legal-obligations-to-motorists-lawyer/</loc>
		<lastmod>2014-12-30T22:49:04+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/bill-15-a-big-win-for-drivers/</loc>
		<lastmod>2014-12-30T22:57:54+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/recent-developments-disability-insurance-policies-limitation-periods-in-nova-scotia/</loc>
		<lastmod>2014-12-30T22:59:09+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2014/12/welfare-computer-woes-cost-ontario-millions-in-overtime/</loc>
		<lastmod>2014-12-30T22:59:49+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/markham-makes-top-10-list-for-crashes/</loc>
		<lastmod>2014-12-30T23:02:20+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/andrea-horwath-demands-answers-from-the-premier-on-rising-auto-insurance-rates/</loc>
		<lastmod>2014-12-30T23:03:30+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/threshold-motion-dismissed-on-small-jury-award-for-chronic-pain/</loc>
		<lastmod>2014-12-30T23:04:24+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2014/12/surveillance-in-personal-injury-long-term-disability-cases-top-places-where-insurers-get-you-on-camera/</loc>
		<lastmod>2014-12-30T23:05:09+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/meeting-regulatory-requirements-sometimes-size-matters/</loc>
		<lastmod>2014-12-30T23:06:04+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/accessing-justice-through-legal-expense-insurance-a-new-perspective-for-the-injured-claimant-2/</loc>
		<lastmod>2014-12-30T23:07:17+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/anonymous-tipster-thwarts-fraud/</loc>
		<lastmod>2014-12-30T23:08:04+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/bill-15-has-passed-whats-next-for-motorists-and-the-towing-industry/</loc>
		<lastmod>2014-12-30T23:08:50+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/liability-admission-overturned-late-in-litigation/</loc>
		<lastmod>2014-12-30T23:09:59+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/queens-park-has-paper-solution-to-welfare-computer-woes/</loc>
		<lastmod>2014-12-30T23:11:12+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/smokey-thomas-calls-for-helena-jaczeks-resignation/</loc>
		<lastmod>2014-12-30T23:12:08+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/opseu-claims-problems-still-plague-ontario-social-assistance-payments/</loc>
		<lastmod>2014-12-30T23:14:03+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/recent-court-decisions-reveal-a-changing-landscape-in-alberta-on-determining-how-much-a-vehicle-involved-in-an-accident-is-worth/</loc>
		<lastmod>2014-12-30T23:14:45+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/at-issue-insurance-fraud-and-theft/</loc>
		<lastmod>2014-12-30T23:15:37+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/ontarios-medical-watchdog-asks-what-would-you-want-to-know-about-your-md/</loc>
		<lastmod>2014-12-30T23:18:57+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/canada-top-5-civil-appeals-from-the-court-of-appeal-december-2014/</loc>
		<lastmod>2014-12-30T23:19:56+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/subrogation-has-historically-been-the-forgotten-corner-of-a-claims-department-it-shouldnt-be-one-lawyer-argues/</loc>
		<lastmod>2014-12-30T23:20:45+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2014/12/the-new-insurance-landscape-for-automobile-accidents/</loc>
		<lastmod>2014-12-30T23:23:06+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/enhanced-access-to-physiotherapy-for-northumberland-residents/</loc>
		<lastmod>2015-01-04T17:20:06+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/trying-not-to-go-under-or-over/</loc>
		<lastmod>2015-01-04T17:21:08+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/injured-man-tried-to-claim-insurance-for-pickup-he-torched/</loc>
		<lastmod>2015-01-04T17:21:59+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/proclamation-date-for-amendment-to-prejudgment-interest-rate-2/</loc>
		<lastmod>2015-01-04T17:22:52+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/task-force-to-take-fresh-look-at-doctors-and-sex-abuse/</loc>
		<lastmod>2015-01-04T17:23:42+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/why-the-government-could-and-should-put-me-out-of-business/</loc>
		<lastmod>2015-01-04T17:24:28+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/far-fetched-driving-facts-laws-that-surprised-us-in-2014/</loc>
		<lastmod>2015-01-04T17:25:13+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/lawyer-who-sues-client-for-4000-is-ordered-to-pay-client-nearly-twice-that-amount-in-costs/</loc>
		<lastmod>2015-01-04T17:26:35+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/anti-abs-arguments-continue-to-be-based-on-emotion-not-fact/</loc>
		<lastmod>2015-01-04T17:28:00+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/the-ultimate-guide-to-managing-physio-fees/</loc>
		<lastmod>2015-01-07T23:10:19+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/desjardins-group-completes-the-acquisition-of-state-farms-canadian-operations-businesses/</loc>
		<lastmod>2015-01-07T23:11:06+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/changing-face-of-risk-means-changing-expectations-kpmg/</loc>
		<lastmod>2015-01-07T23:11:53+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/different-challenges-ahead-for-insurance-industry-in-2015/</loc>
		<lastmod>2015-01-07T23:12:34+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/canadian-lawyers-top-10-insurance-defence-boutiques/</loc>
		<lastmod>2015-01-07T23:13:50+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/doctor-finally-faces-possible-penalty-for-sexual-abuse-of-young-patient-35-years-later/</loc>
		<lastmod>2015-01-07T23:15:36+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/should-doctors-charge-a-no-show-fee/</loc>
		<lastmod>2015-01-07T23:16:13+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/road-rage-intimidation-incident-leads-to-liability-for-subsequent-crash/</loc>
		<lastmod>2015-01-07T23:17:18+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/icbc-taking-high-tech-approach-to-combat-insurance-fraud/</loc>
		<lastmod>2015-01-07T23:17:51+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/insurer-to-partner-with-onstar/</loc>
		<lastmod>2015-01-07T23:18:45+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/law-society-toronto-police-begin-talks-to-improve-communication/</loc>
		<lastmod>2015-01-07T23:19:40+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/reducing-error-ratios-in-underwriting-for-compliance-and-cost-reduction/</loc>
		<lastmod>2015-01-07T23:20:26+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/food-bank-offers-respite-training-assistance/</loc>
		<lastmod>2015-01-13T15:20:07+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/the-taxability-of-lump-sum-long-term-disability-settlements-cra-changes-january-1-2015/</loc>
		<lastmod>2015-01-13T15:21:39+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/ridesharing-and-car-insurance-a-little-white-lie/</loc>
		<lastmod>2015-01-13T15:23:21+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/google-poised-to-enter-u-s-auto-insurance-market-report/</loc>
		<lastmod>2015-01-13T15:24:07+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/will-google-cars-eviscerate-the-personal-injury-bar/</loc>
		<lastmod>2015-01-13T15:24:58+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/auto-insurance-fraud-no-longer-growing-report-says/</loc>
		<lastmod>2015-01-13T15:26:36+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/auto-insurance-bill-has-pros-cons/</loc>
		<lastmod>2015-01-13T15:27:24+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/focus-appeal-court-puts-end-to-different-rules-for-rural-urban-drivers/</loc>
		<lastmod>2015-01-13T15:28:22+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/judges-as-gatekeepers-for-necessary-expert-evidence/</loc>
		<lastmod>2015-01-13T15:29:09+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/critical-rulings-show-risks-of-going-paperless-lawyer-says/</loc>
		<lastmod>2015-01-13T15:30:56+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/teen-injured-by-suv-upset-driver-is-suing-him-too/</loc>
		<lastmod>2015-01-13T15:32:08+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/important-changes-to-prejudgment-interest-calculation-in-motor-vehicle-accident-claims/</loc>
		<lastmod>2015-01-17T18:05:34+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/mpps-unaware-costs-for-computer-system-hit-16m/</loc>
		<lastmod>2015-01-17T18:06:24+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/examination-for-discovery-in-car-accident-cases-understanding-undertakings-refusals-questions-taken-under-advisement-ontario/</loc>
		<lastmod>2015-01-17T18:07:15+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/expanded-duty-to-notify-the-college-of-physicians-and-surgeons-of-ontario/</loc>
		<lastmod>2015-01-17T18:08:22+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/be-uber-aware/</loc>
		<lastmod>2015-01-17T18:09:24+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/fcad-hosts-panel-blasting-health-canada-on-transparency/</loc>
		<lastmod>2015-01-17T18:10:13+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/top-five-frauds-of-2014-announced-by-manitoba-public-insurance/</loc>
		<lastmod>2015-01-17T18:11:03+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/dcac-statistics-of-reconsiderations/</loc>
		<lastmod>2015-01-17T18:15:20+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/one-third-of-social-security-tribunal-members-have-ties-to-conservatives/</loc>
		<lastmod>2015-01-17T18:20:19+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/ontario-doctors-unanimously-reject-provinces-offer/</loc>
		<lastmod>2015-01-19T23:54:45+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/ontarios-doctors-say-contract-talks-have-collapsed/</loc>
		<lastmod>2015-01-19T23:55:28+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/drive-for-uber-and-risk-fines-and-losing-your-insurance-city-says/</loc>
		<lastmod>2015-01-19T23:56:28+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/formal-offer-bested-by-920-fails-to-trigger-double-costs/</loc>
		<lastmod>2015-01-19T23:57:13+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/cop-accused-of-bilking-insurance-for-nearly-1-million/</loc>
		<lastmod>2015-01-19T23:57:58+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/insurance-companies-paid-out-thousands-in-accident-benefits-to-people-not-involved-in-crashes/</loc>
		<lastmod>2015-01-19T23:58:46+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/its-not-just-tobogganing-sledding-bans-a-symptom-growing-lawsuit-paranoia-at-the-municipal-level/</loc>
		<lastmod>2015-01-20T00:43:59+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/duelling-doctors-fight-it-out-over-health-funding-cohn/</loc>
		<lastmod>2015-01-20T00:44:42+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/inside-canadas-secret-world-of-medical-error-there-is-a-lot-of-lying-theres-a-lot-of-cover-up/</loc>
		<lastmod>2015-01-20T00:45:44+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/ubi-device-vulnerable-to-cyber-attack-expert/</loc>
		<lastmod>2015-01-20T00:46:35+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/why-is-personal-injury-bar-so-against-abs/</loc>
		<lastmod>2015-01-20T00:48:44+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/who-is-at-fault-if-a-car-hits-me-when-running-a-yellow/</loc>
		<lastmod>2015-01-26T00:33:06+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/200-million-dollars-in-refunds-waiting-for-ontario-drivers-if-only-they-knew-about-it/</loc>
		<lastmod>2015-01-26T00:33:58+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/potential-economic-benefit-of-driverless-cars-in-canada-65-billion-annually/</loc>
		<lastmod>2015-01-26T00:34:48+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/expansion-of-the-duties-owed-to-rescuers/</loc>
		<lastmod>2015-01-26T00:35:55+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/insurer-accused-of-illegal-surveillance-by-former-cops/</loc>
		<lastmod>2015-01-26T00:36:40+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/ontario-auto-insurance-rates-fall-by-1-44-in-2014/</loc>
		<lastmod>2015-01-26T00:37:26+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/01/medical-association-president-claims-funding-cap-will-lead-to-rationed-care/</loc>
		<lastmod>2015-01-26T00:40:19+00:00</lastmod>
	</url>
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		<loc>http://www.fairassociation.ca/2015/01/amanda-lang-took-money-from-manulife-sun-life-gave-them-favourable-cbc-coverage/</loc>
		<lastmod>2015-01-26T00:41:12+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2015/01/handling-your-first-mediation/</loc>
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		<loc>http://www.fairassociation.ca/2015/01/wsib-age-cut-off-for-loss-of-earnings-benefits-not-discriminatory-against-older-workers-court/</loc>
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		<loc>http://www.fairassociation.ca/2015/01/ibcs-taylor-identifies-strong-opponents-to-insurance/</loc>
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		<loc>http://www.fairassociation.ca/2015/01/changes-that-support-permanent-fixes-to-ontario-auto-system-needed/</loc>
		<lastmod>2015-01-26T00:44:07+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2015/01/will-automated-cars-lower-insurance-and-improve-urban-expansion/</loc>
		<lastmod>2015-01-27T16:33:26+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2015/01/two-year-trial-deadline-repealed-under-new-rule-change/</loc>
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		<loc>http://www.fairassociation.ca/2015/01/15-per-cent-target-for-ontario-auto-does-not-compute/</loc>
		<lastmod>2015-01-27T16:35:30+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2015/01/ndp-wants-secret-info-on-ontarios-top-billing-doctors-made-public/</loc>
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		<loc>http://www.fairassociation.ca/2015/01/transparency-about-medical-errors-a-magic-bullet-that-could-help-make-heath-care-safer-report/</loc>
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		<loc>http://www.fairassociation.ca/2015/01/personal-injury-lawyer-launches-challenge-against-bill-15/</loc>
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		<loc>http://www.fairassociation.ca/2015/02/an-open-letter-to-premier-wynne-from-ontarios-doctors/</loc>
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		<loc>http://www.fairassociation.ca/2015/02/provinces-doctors-need-to-defuse-compensation/</loc>
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		<loc>http://www.fairassociation.ca/2015/02/allegations-of-sexual-assault-dropped-against-hamilton-psychiatrist/</loc>
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		<loc>http://www.fairassociation.ca/2015/02/without-affordable-housing-the-need-for-food-banks-will-remain/</loc>
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		<loc>http://www.fairassociation.ca/2015/02/personal-injury-lawyer-launches-a-constitutional-challenge-against-bill-15/</loc>
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		<loc>http://www.fairassociation.ca/2015/02/resolving-auto-insurance-benefit-disputes-stacked-against-public-2/</loc>
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		<loc>http://www.fairassociation.ca/2015/02/new-ontario-auto-insurance-dispute-resolution-system-faces-constitutional-challenge/</loc>
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		<loc>http://www.fairassociation.ca/2015/02/it-is-not-open-for-a-trial-judge-to-award-a-defendant-double-costs-where-a-plaintiff-obtains-judgement/</loc>
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		<loc>http://www.fairassociation.ca/2015/02/expanding-the-duty-of-good-faith/</loc>
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		<loc>http://www.fairassociation.ca/2015/02/new-policy-on-travel-expenses-for-treatment-providers-discriminates-against-rural-claimants/</loc>
		<lastmod>2015-02-02T00:29:36+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2015/02/liberal-health-care-plans-a-pipe-dream/</loc>
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		<loc>http://www.fairassociation.ca/2015/02/a-firm-stand/</loc>
		<lastmod>2015-02-02T00:34:22+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2015/02/typical-questions-you-will-need-to-answer-in-your-car-accident-case-ontario/</loc>
		<lastmod>2015-02-02T00:35:53+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2015/02/ontario-court-of-appeal-clarifies-expert-report-rules/</loc>
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		<loc>http://www.fairassociation.ca/2015/02/im-with-the-doctors-in-their-dispute-with-the-provincial-government/</loc>
		<lastmod>2015-02-02T00:52:53+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2015/02/td-insurance-to-let-auto-customers-file-claims-get-collision-repairs-at-one-location/</loc>
		<lastmod>2015-02-02T00:54:29+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2015/02/insurers-blaming-everyone-else-says-broker/</loc>
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		<loc>http://www.fairassociation.ca/2015/02/lsuc-getting-four-to-five-mortgage-fraud-complaints-a-month/</loc>
		<lastmod>2015-02-05T01:26:29+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2015/02/cuts-to-odsp-benefits-set-a-new-low-for-liberal-cynicism-ndp-mpp-forster/</loc>
		<lastmod>2015-02-05T01:27:25+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2015/02/computing-a-disaster/</loc>
		<lastmod>2015-02-05T01:31:49+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/90000-non-pecuniary-assessment-for-chronic-myofascial-pain/</loc>
		<lastmod>2015-02-05T01:32:44+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2015/02/personal-injury-law-getahun-provided-crucial-clarity-on-consultations-between-experts-counsel/</loc>
		<lastmod>2015-02-05T01:33:37+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/british-columbia-auto-insurer-estimates-more-than-10-of-claims-have-element-of-fraud-or-exaggeration/</loc>
		<lastmod>2015-02-05T01:40:44+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/ontario-appeal-court-rules-on-discussions-between-defence-lawyers-and-expert-witnesses/</loc>
		<lastmod>2015-02-05T01:41:32+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/lawyers-question-profs-critical-findings-on-abs/</loc>
		<lastmod>2015-02-05T01:42:41+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/meet-the-man-injured-ontario-workers-love-to-hate/</loc>
		<lastmod>2015-02-05T01:43:33+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/lets-start-with-quality-lats-says-reader/</loc>
		<lastmod>2015-02-05T01:53:19+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/letters-to-the-editor-feb-1-2015-no-appeal-to-courts/</loc>
		<lastmod>2015-02-05T01:55:24+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2015/02/cohn-health-minister-puts-patient-first/</loc>
		<lastmod>2015-02-05T02:13:51+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/college-of-physicians-spreads-word-about-doctor-misconduct-just-not-to-police/</loc>
		<lastmod>2015-02-05T02:14:42+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/intact-financial-corporation-reports-fourth-quarter-and-year-end-results/</loc>
		<lastmod>2015-02-05T02:15:38+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/letter-physicians-face-money-challenge/</loc>
		<lastmod>2015-02-05T02:16:38+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/odsp-benefits-change-for-workers/</loc>
		<lastmod>2015-02-05T02:17:31+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/bc-court-of-appeal-criticizes-consultation-reports-being-shoehorned-as-expert-reports/</loc>
		<lastmod>2015-02-05T02:18:43+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/onca-clears-up-the-law-on-expert-reports/</loc>
		<lastmod>2015-02-05T02:19:37+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/rethinking-limits/</loc>
		<lastmod>2015-02-05T22:36:56+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/insurance-bureau-raises-concerns-about-extent-of-uber-coverage/</loc>
		<lastmod>2015-02-09T21:51:23+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/oma-president-meets-with-burlington-doctors-in-wake-of-failed-negotiations-with-province/</loc>
		<lastmod>2015-02-09T21:52:18+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/stop-blaming-computer-glitch-for-welfare-woes-goar/</loc>
		<lastmod>2015-02-09T21:53:12+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/ontario-lags-other-provinces-in-updating-health-privacy-laws/</loc>
		<lastmod>2015-02-09T21:54:14+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/oiaa-speaker-explains-how-ontario-civil-law-on-privacy-affects-cyber-liability-exposure/</loc>
		<lastmod>2015-02-09T21:55:09+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/defence-doctors-bald-proposition-minimizing-collision-related-injuries-rejected/</loc>
		<lastmod>2015-02-09T21:56:08+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/geico-targets-uber-drivers-with-ridesharing-policy/</loc>
		<lastmod>2015-02-09T21:59:53+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/do-we-still-need-juries/</loc>
		<lastmod>2015-02-09T22:00:49+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/kenney-pledges-to-wipe-out-social-security-tribunal-backlog-by-this-summer/</loc>
		<lastmod>2015-02-09T22:01:37+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/accident-benefits-auto-collision-victims-shafted/</loc>
		<lastmod>2015-02-09T22:02:40+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/getting-personal/</loc>
		<lastmod>2015-02-09T22:03:42+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/liberals-order-independent-review-of-welfare-computer-system-troubles/</loc>
		<lastmod>2015-02-12T00:52:10+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/honesty-is-now-the-law-in-canada/</loc>
		<lastmod>2015-02-12T00:53:25+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/court-finds-high-billing-icbc-expert-strayed-into-advocacy/</loc>
		<lastmod>2015-02-12T00:55:40+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/richard-daniel-thompson-convicted-of-making-false-auto-insurance-claim/</loc>
		<lastmod>2015-02-12T00:56:55+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/man-faces-fraud-charges-for-allegedly-posing-as-osteopath/</loc>
		<lastmod>2015-02-12T00:58:26+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/are-websites-legally-responsible-for-user-comments/</loc>
		<lastmod>2015-02-12T00:59:27+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/crisis-in-ontario-health-care-system-deepens-hepburn/</loc>
		<lastmod>2015-02-15T00:19:43+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/media-advisory-odsp-workers-to-rally-in-30-centres-across-ontario-feb-12/</loc>
		<lastmod>2015-02-15T00:20:23+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/notice-requirements-do-insurers-need-to-ensure-the-notice-of-cancellation-is-received/</loc>
		<lastmod>2015-02-15T00:21:21+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/injury-law-and-the-legal-concept-of-causation-when-an-accident-and-an-injury-arent-enough/</loc>
		<lastmod>2015-02-15T00:22:18+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/chronic-fatigue-is-real-serious-and-needs-a-new-name-panel-says/</loc>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/fintracs-powers-to-examine-lawyers-records-struck-down-by-supreme-court-of-canada/</loc>
		<lastmod>2015-02-15T00:24:24+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/guest-column-ontarios-doctors-are-scapegoats-for-health-woes/</loc>
		<lastmod>2015-02-15T00:25:31+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/peel-region-cop-convicted-in-car-insurance-scam/</loc>
		<lastmod>2015-02-15T00:31:16+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/hundreds-of-odsp-workers-rally-across-ontario-to-protest-sams-breakdown/</loc>
		<lastmod>2015-02-15T00:32:33+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/lawyers-win-exemptions-from-money-laundering-law/</loc>
		<lastmod>2015-02-15T00:33:24+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/how-to-clean-up-the-inconvenient-stench-in-ontario-politics-cohn/</loc>
		<lastmod>2015-02-15T00:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/how-simple-mistakes-can-lead-to-large-claims/</loc>
		<lastmod>2015-02-19T03:18:45+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/standards-of-excellence-defining-legal-professionalism-ethics-and-integrity/</loc>
		<lastmod>2015-02-19T03:19:32+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/quadriplegic-temporary-foreign-worker-fights-to-remain-in-canada/</loc>
		<lastmod>2015-02-19T03:20:17+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/doctors-dispute-could-result-in-job-action/</loc>
		<lastmod>2015-02-19T03:21:11+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/peel-region-cop-convicted-in-car-insurance-scam-2/</loc>
		<lastmod>2015-02-19T03:21:53+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/internet-of-things-holds-promise-for-car-insurance-mayers/</loc>
		<lastmod>2015-02-19T03:22:50+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/most-top-10-ontario-cities-for-highest-car-insurance-rates-in-and-around-toronto-kanetix-ca/</loc>
		<lastmod>2015-02-19T03:23:37+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/patients-can-sue-hospitals-for-invasion-of-privacy-appeal-court-rules/</loc>
		<lastmod>2015-02-19T03:24:52+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/auto-collision-lawsuit-defendants-use-of-video-surveillance-evidence-without-disclosure-in-affidavit-breached-civil-procedure-rules-ontario-appeal-court-rules/</loc>
		<lastmod>2015-02-19T03:25:40+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/expediting-a-catastrophic-application/</loc>
		<lastmod>2015-02-19T03:27:42+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/cruel-cuts-at-wsib-platform-for-change-would-refocus-system/</loc>
		<lastmod>2015-02-20T02:16:51+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/special-guest-post-by-personal-injury-lawyer-stephen-offenheim-his-views-on-telling-the-truth-in-a-car-accident-case/</loc>
		<lastmod>2015-02-20T02:17:56+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/canatics-announces-two-new-appointments-to-help-in-the-fight-against-insurance-fraud/</loc>
		<lastmod>2015-02-20T02:18:42+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/64000-non-pecuniary-assessment-following-low-velocity-collision/</loc>
		<lastmod>2015-02-20T02:19:47+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/rethinking-limits-2/</loc>
		<lastmod>2015-02-20T02:20:41+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/top-five-highlights-from-moore-v-getahun/</loc>
		<lastmod>2015-02-20T02:21:56+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/ontario-court-of-appeal-clamps-down-on-surveillance-evidence/</loc>
		<lastmod>2015-02-22T19:58:47+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/injured-workers-group-release-platform-for-change/</loc>
		<lastmod>2015-02-22T19:59:52+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/how-our-health-data-is-collected-and-used/</loc>
		<lastmod>2015-02-22T20:01:53+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/ontario-privacy-commissioner-weighs-in-on-cpso-transparency-issue/</loc>
		<lastmod>2015-02-22T20:05:15+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/spruce-grove-man-dying-of-cancer-fighting-for-disability-benefits/</loc>
		<lastmod>2015-02-24T23:55:11+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/remedial-costs-for-unreasonable-settlements-by-insurers/</loc>
		<lastmod>2015-02-24T23:56:19+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/rise-of-the-drones/</loc>
		<lastmod>2015-02-24T23:57:11+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/physician-income-look-behind-the-numbers/</loc>
		<lastmod>2015-02-24T23:58:13+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/the-civil-jury/</loc>
		<lastmod>2015-02-24T23:59:06+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/remedial-costs-for-unreasonable-settlements-by-insurers-2/</loc>
		<lastmod>2015-02-25T00:00:03+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/court-rejects-attempt-to-blame-articling-student-for-delay/</loc>
		<lastmod>2015-02-25T00:00:45+00:00</lastmod>
	</url>
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		<loc>http://www.fairassociation.ca/2015/02/ibc-wants-regulation-for-personal-injury-lawyers/</loc>
		<lastmod>2015-02-25T00:01:32+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/updated-convicted-peel-cop-still-on-the-police-force/</loc>
		<lastmod>2015-02-26T00:22:39+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/program-fights-fentanyl-abuse/</loc>
		<lastmod>2015-02-26T00:23:22+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/02/the-spectators-view-province-should-foot-bill-for-sams-cleanup/</loc>
		<lastmod>2015-02-26T00:24:13+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/insurance-institute-ibc-host-fraud-seminars-in-five-canadian-cities-in-march/</loc>
		<lastmod>2015-02-26T00:25:01+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/02/intention-of-e-mail-key-to-privilege-judge/</loc>
		<lastmod>2015-02-26T00:25:48+00:00</lastmod>
	</url>
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		<loc>http://www.fairassociation.ca/2015/03/fraud-conviction-still-leaves-brokers-angry/</loc>
		<lastmod>2015-03-03T01:41:13+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/03/75000-non-pecuniary-assessment-for-chronic-shoulder-injury/</loc>
		<lastmod>2015-03-03T01:41:42+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/03/ibc-presents-ns-auto-insurance-success-story-at-chamber-of-commerce/</loc>
		<lastmod>2015-03-03T01:42:32+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/03/speakers-corner-otlas-abs-submission-couches-own-interest-as-protecting-the-public/</loc>
		<lastmod>2015-03-03T01:43:18+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/03/computer-error-causes-privacy-breach-for-700-ontario-welfare-and-disability-recipients/</loc>
		<lastmod>2015-03-03T01:44:12+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/03/backroom-deals-keep-problem-mds-out-of-the-public-eye/</loc>
		<lastmod>2015-03-03T01:48:44+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/03/one-step-short-of-disbarment/</loc>
		<lastmod>2015-03-06T02:21:41+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2015/03/the-inevitable-accident-defence/</loc>
		<lastmod>2015-03-06T02:22:31+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/03/examining-the-new-canadian-guidelines-for-fibromyalgia-aka-chronic-widespread-pain/</loc>
		<lastmod>2015-03-06T02:24:08+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2015/03/motor-vehicle-litigation-up/</loc>
		<lastmod>2015-03-06T02:25:55+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2015/03/davenport-drivers-complain-of-high-insurance-rates-in-neighbourhood/</loc>
		<lastmod>2015-03-06T02:27:08+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/03/ontario-government-under-fire-over-inaction-on-health-privacy-law/</loc>
		<lastmod>2015-03-06T02:27:57+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2015/03/local-voice-against-wrongful-benefit-denials-not-staying-silent/</loc>
		<lastmod>2015-03-06T02:29:17+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2015/03/government-begins-fsco-mandate-review/</loc>
		<lastmod>2015-03-06T02:30:21+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2015/03/confidential-consultations-between-experts-and-counsel-now-permitted/</loc>
		<lastmod>2015-03-10T00:15:34+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2015/03/will-the-driverless-car-change-the-face-of-insurance/</loc>
		<lastmod>2015-03-10T00:16:26+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2015/03/ibc-leads-car-insurance-fraud-awareness-for-fraud-prevention/</loc>
		<lastmod>2015-03-10T00:17:16+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/03/useage-based-insurance-growing-in-popularity/</loc>
		<lastmod>2015-03-10T00:23:29+00:00</lastmod>
	</url>
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		<loc>http://www.fairassociation.ca/2015/03/rsa-to-offer-telematics-based-auto-insurance-in-canada/</loc>
		<lastmod>2015-03-10T00:24:18+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2015/03/bc-court-of-appeal-discusses-evidence-for-cost-of-care-awards/</loc>
		<lastmod>2015-03-10T00:25:11+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/03/7-steps-toward-stamping-out-insurance-fraud/</loc>
		<lastmod>2015-03-10T00:25:58+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/03/the-ongoing-hryniak-culture-shift/</loc>
		<lastmod>2015-03-10T00:35:51+00:00</lastmod>
	</url>
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		<loc>http://www.fairassociation.ca/2015/03/google-open-for-business-in-u-s-is-canada-far-behind/</loc>
		<lastmod>2015-03-10T00:37:34+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/03/alissa-afonina-canadian-dominatrix-looks-for-new-role-after-brain-injury/</loc>
		<lastmod>2015-03-10T00:38:09+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/03/access-to-justice-help-coming-for-people-headed-to-canadas-civil-and-family-courts/</loc>
		<lastmod>2015-03-10T00:39:00+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/03/tougher-sentences-needed-for-fraudsters/</loc>
		<lastmod>2015-03-10T00:39:47+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/03/new-telematics-based-insurance-for-youth-enters-ontario/</loc>
		<lastmod>2015-03-10T00:40:42+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/03/auto-insurance-must-improve/</loc>
		<lastmod>2015-03-10T00:41:29+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/03/bc-court-of-appeal-scientific-evidence-not-needed-in-lvi-injury-claims/</loc>
		<lastmod>2015-03-12T21:56:09+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/03/how-fear-and-mistrust-prompted-one-calgary-insurance-broker-to-launch-telematics/</loc>
		<lastmod>2015-03-12T21:57:30+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/03/op-ed-reform-done-right-in-praise-of-nova-scotia-auto-insurance/</loc>
		<lastmod>2015-03-12T21:58:17+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/03/ontario-auto-rates-way-too-high-says-insurance-coo/</loc>
		<lastmod>2015-03-12T21:59:34+00:00</lastmod>
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	<url>
		<loc>http://www.fairassociation.ca/2015/03/mds-lawsuit-against-patients-lawyers-abusive-court-told/</loc>
		<lastmod>2015-03-12T22:00:37+00:00</lastmod>
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		<loc>http://www.fairassociation.ca/2015/03/md-backroom-deals-an-affront/</loc>
		<lastmod>2015-03-12T22:01:23+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/03/is-uber-too-secretive-about-their-car-insurance-plan/</loc>
		<lastmod>2015-03-12T22:02:33+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/03/take-your-smartphone-for-a-spin-ibc-launches-new-road-safety-app/</loc>
		<lastmod>2015-03-12T22:03:23+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/03/whiplash-related-costs-adding-93-to-car-premiums-in-the-u-k-aviva/</loc>
		<lastmod>2015-03-12T22:04:15+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/03/top-10-insurance-decisions/</loc>
		<lastmod>2015-03-12T22:05:01+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/03/the-little-things-insurance-companies-look-at-in-car-accident-cases-ontario/</loc>
		<lastmod>2015-03-12T22:05:47+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/03/facebook-posts-derail-personal-injury-claim/</loc>
		<lastmod>2015-03-12T22:06:32+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/03/guelph-physician-to-face-disciplinary-hearing-over-sexual-abuse-allegation/</loc>
		<lastmod>2015-03-20T14:34:35+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/03/pro-sports-doctors-may-be-over-prescribing-drugs-to-players/</loc>
		<lastmod>2015-03-20T14:35:31+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/03/mending-bond-with-veterans-tough-if-tories-cant-ensure-ex-soldiers-dont-have-repeatedly-to-prove-injuries/</loc>
		<lastmod>2015-03-20T14:36:19+00:00</lastmod>
	</url>
	<url>
		<loc>http://www.fairassociation.ca/2015/03/william-teggart-protect-yourself-for-upcoming-trauma-season/</loc>
		<lastmod>2015-03-20T14:37:04+00:00</lastmod>
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