• homeslide-220513-04 FAIR – supporting auto accident victims through advocacy and education
  • homeslide-220513-03 FAIR – supporting auto accident victims through advocacy and education
  • homeslide-220513-02 FAIR – supporting auto accident victims through advocacy and education
  • homeslide-220513-01b FAIR – supporting auto accident victims through advocacy and education

Resources & Links

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

After an Auto Accident: Understanding the Claims Process https://www.fsco.gov.on.ca/en/auto/brochures/Pages/brochure_claims.aspx

The entire Insurance Act is 186 pages https://www.ontario.ca/laws/statute/90i08

Insurance Act ONTARIO REGULATION 34/10 STATUTORY ACCIDENT BENEFITS SCHEDULE — EFFECTIVE SEPTEMBER 1, 2010 Consolidation Period: From January 1, 2015 to the e-Laws currency date. O. Reg. 236/14.  http://www.e-laws.gov.on.ca/html/regs/english/elaws_regs_100034_e.htm#BK61

Superintendent’s and Commissioner’s Guidelines – Auto Insurance SABS –Each guideline is issued as part of an auto insurance bulletin. For convenience, the following provides direct links to the guidelines, listed chronologically by year (No. 3/01 is the third guideline issued in 2001), starting with guidelines issued by the Superintendent of Financial Services. Following each guideline is a link to the specific bulletin with which the guideline was issued.   https://www.fsco.gov.on.ca/en/auto/superintendent_guidelines/Pages/Default.aspx

Insurance Act  R.R.O. 1990, REGULATION 668 FAULT DETERMINATION RULES http://www.e-laws.gov.on.ca/html/regs/english/elaws_regs_900668_e.htm

Ontario Automobile Policy http://www.fsco.gov.on.ca/en/auto/forms/Pages/oap1_forms.aspx

Minor Injury Guideline https://www.fsco.gov.on.ca/en/auto/autobulletins/2014/Documents/a-01-14-1.pdf

Professional Services Guideline https://www.fsco.gov.on.ca/en/auto/autobulletins/2014/Documents/a-08-14-1.pdf

The Dispute Resolution Practice Code (“Code”) is a user’s guide to resolving disputes between consumers and insurers involving statutory accident benefits claims under the Insurance Act and theStatutory Accident Benefits Schedule (“SABS”).The Code is published by the Dispute Resolution Group of the Financial Services Commission of Ontario (“FSCO” or the “Commission”). Although there have been previous editions of the Code, this edition is the first published by the Dispute Resolution Group as part of FSCO. https://www.fsco.gov.on.ca/en/drs/DRP-Code/Pages/default.aspx

Automobile Accident Benefits Service (AABS)  (in effect as of April 1 2016)         If you can’t agree with the insurance company about whether or not you are entitled to a benefit or the amount of a benefit, you can apply to AABS for help in solving your dispute. AABS works with individuals and insurance companies to help them quickly reach a settlementhttp://www.slasto.gov.on.ca/en/AABS/Pages/default.aspx

 ______________________________________________

Apply for CPP disabilty https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-disability-benefit/apply.html

Apply for ODSP (Ontario Disability Support Program) http://www.mcss.gov.on.ca/en/mcss/programs/social/odsp/

Ontario disability parking permit https://www.ontario.ca/page/get-accessible-parking-permit

____________________________________

Correcting Your Personal Health Information

If you believe that your personal health information is not accurate or complete, Ontario’s health privacy legislation, the Personal Health Information Protection Act (PHIPA), gives you the right to make a request to have it corrected. https://www.ipc.on.ca/health/correcting-your-personal-health-information/

_____________________________________________________________

2011 Annual Report of the Office of the Auditor General of Ontario  http://www.auditor.on.ca/en/content/annualreports/arreports/en11/301en11.pdf

Auto Insurance Regulatory Oversight Follow-up to VFM Section 3.01, 2013 Annual Report of the Office of the Auditor General of Ontario  http://www.auditor.on.ca/en/content/annualreports/arreports/en13/401en13.pdf

_____________________________________________

Legal Resources of Interest:

CanLII is a non-profit organization managed by the Federation of Law Societies of Canada. CanLII’s goal is to make Canadian law accessible for free on the Internet. This website provides access to court judgments, tribunal decisions, statutes and regulations from all Canadian jurisdictions. http://www.canlii.org/en/index.html

Licensed Appeal Tribunal (LAT) (AABS) decisions on Canlii (April 1, 2016 onward) https://www.canlii.org/en/on/onlat/#search/type=decision&ccId=onlat&id=AABS&origType=decision&origCcId=onlat

Financial Services Commission of Ontario database of arbitration and appeal decisions from the former Ontario Insurance Commission and the Financial Services Commission of Ontario. There are passwords required and a phone number is on the page to acquire the password. The word ‘database’ (highlighted in blue) will take you to the page to enter the password and then do your search.
http://www.fsco.gov.on.ca/en/drs/Pages/arbitration_appeal_decisions.asp

For  Insurance Claim Forms from The Financial Services Commission: http://www.fsco.gov.on.ca/en/auto/archives/Forms/Pages/Auto-Insurance-Claims-Forms.aspx

Financial Services Commission of Ontario                                                                       DISPUTE RESOLUTION PRACTICE CODE FOURTH EDITION NOVEMBER 2013 http://www.fsco.gov.on.ca/en/drs/DRP-Code/Documents/DRPC-Fourth-Edition-Collected.pdf

Solicitors Act, R.S.O. 1990, c. S.15 https://www.ontario.ca/laws/statute/90s15

Links to Insurance Regulations for Ontario:

FAIR cannot provide legal advice, interpret the law or conduct research. You may be able to obtain assistance from a lawyer or paralegal.     The information below is from Ontario’s e-laws.gov.on.ca website.

Insurance Act
R.R.O. 1990, REGULATION 672
STATUTORY ACCIDENT BENEFITS SCHEDULE — ACCIDENTS BEFORE JANUARY 1, 1994
Insurance Act – R.R.O. 1990, Reg. 672

Insurance Act
ONTARIO REGULATION 776/93
STATUTORY ACCIDENT BENEFITS SCHEDULE — ACCIDENTS AFTER DECEMBER 31, 1993 AND BEFORE NOVEMBER 1, 1996
Insurance Act – O. Reg. 776/93

Insurance Act
ONTARIO REGULATION 403/96
STATUTORY ACCIDENT BENEFITS SCHEDULE — ACCIDENTS ON OR AFTER NOVEMBER 1, 1996
Insurance Act – O. Reg. 403/96

Insurance Act
ONTARIO REGULATION 34/10
STATUTORY ACCIDENT BENEFITS SCHEDULE — EFFECTIVE SEPTEMBER 1, 2010
Insurance Act – O. Reg. 34/10

ONTARIO REGULATION 7/00
UNFAIR OR DECEPTIVE ACTS OR PRACTICES
Insurance Act – O. Reg. 7/00

FAIR does not accept responsibility for comments, opinions, statistical information etc. associated with the links listed below.
 

Here are some helpful links.  Please let us know if you have one that could be added to assist other victims in their journey of recovery.

Post Traumatic Stress Disorder (PTSD)   Frightening situations happen to everyone at some point. People can react in many different ways: they might feel nervous, have a hard time sleeping well, or go over the details of the situation in their mind. These thoughts or experiences are a normal reaction. They usually decrease over time and the people involved can go back to their daily lives. Post-traumatic stress disorder, on the other hand, lasts much longer and can seriously disrupt a person’s life. http://www.cmha.ca/mental_health/post-traumatic-stress-disorder/#.U6nRKvldXTq

Understanding PTSD – http://www.fagellaw.com/Resources/2014/June/Understanding_Post_Traumatic_Stress_Disorder_PTS.aspx

The NATIONAL ME/FM ACTION NETWORK  a Canadian charitable organization dedicated to Myalgic Encephalomyelitis, also known as Chronic Fatigue Syndrome (ME/CFS) and Fibromyalgia (FM) through support, advocacy, education and research.  http://www.mefmaction.com/ CPP Disability Guide  http://mefmaction.com/index.php?option=com_content&view=article&id=425&Itemid=364

Brain Injury Society of Toronto (BIST)   BIST supports ABI survivors and their family members. BIST members are children, parents, teens, spouses, and grandparents. Membership is open to anyone in the community with an interest in the challenges that come with living with the effects of brain injury. http://www.bist.ca/

Centre for Addiction and Mental Health (CAMH)   The Centre for Addiction and Mental Health (CAMH) is Canada’s largest mental health and addiction teaching hospital, as well as one of the world’s leading research centres in the area of addiction and mental health. CAMH combines clinical care, research, education, policy development and health promotion to help transform the lives of people affected by mental health and addiction issues.  http://www.camh.ca/en/hospital/Pages/home.aspx

Directory of Canadian Pain Clinics Specialists http://charmiefm.tripod.com/painclinics.htm

Canadian Pain Coalition useful links http://www.canadianpaincoalition.ca/index.php/en/help-centre/useful-links

Home Remodeling for Disability and Special Needs: What You Need to Know http://www.expertise.com/home-and-garden/home-remodeling-for-disability-and-special-needs

________________________________________________

Disabilities Threshold Paper – July 2009

http://www.lco-cdo.org/en/disabilities-threshold-paper

_______________________________________

Law Commission of Ontario

III. THEORETICAL FRAMEWORK & PRINCIPLES

In this section, we develop the theoretical framework that forms the basis of the principles and the outcome measures used for the Rights-Outcome Lens.  This theoretical framework includes both new approaches to the conceptualization of disability and legal and policy sources.

http://www.lco-cdo.org/en/disabilities-call-for-papers-patton-pooran-samson-sectionIII

__________________________________________

Baseballs Don’t Bounce Random Thoughts From an Injured Brain Paperback by Forrest Willett  http://www.amazon.com/gp/product/0988081016/ref=olp_product_details?ie=UTF8&me=&seller=

Denied Benefits? – How to Fight Back! So You Think You’re Covered! The Insurance Industry Rip-Off Surviving the Fight for Long-Term Disability Benefits By Jokelee Vanderkop http://www.deniedbenefitclaims.com/index.html

Alliance of Community Medical & Rehabilitation Providers www.ontariorehaballiance.com
Canadian Paraplegic Association Ontario www.cpaont.org
Concussions Ontario www.concussionsontario.org
Ontario Brain Injury Association www.obia.ca
Ontario Disability Support Program www.mcss.gov.on.ca/en/mcss/programs/social/odsp/
Ontario Safety League www.ontariosafetyleague.com
Ontario Trial Lawyers Association www.otla.com
Insurance  Bureau of Canada www.ibc.ca
Financial Services Commission of Ontario www.fsco.gov.on.ca

 

 

 

Comments are closed.