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ONCA Sides with Lessor in Coverage Dispute
What happens when a Certificate of Automobile Insurance specifies that the policy includes coverages under certain endorsements, when those endorsements never make it onto the policy? The Certificate...
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Who am I? The Case of the Named Insured and the Owner
What happens when an auto insurer sends a policy termination notice to the named insured, but the named insured does not own the vehicle insured under the policy? In Ontario (Minister of Finance) v....
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The long term outlook for automobile insurance in Canada
In a recent online article, Canadian Underwriter magazine asked the question, Is the sun setting on auto insurance in Canada? In my view, it may be late afternoon for the automobile insurance market,...
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What’s fair when it comes to setting automobile insurance rates?
Political pressure to keep automobile premiums low is a problem that has bedevilled Ontario insurers for some time now. The problem certainly isn’t new and it isn’t going away. It also crosses party...
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Ontario Auto Insurance Topics
It’s been a long time since I last posted on this blog, but to be honest not much has happened with respect to Ontario Auto Insurance. Last spring I wrote about the factors that were actually driving...
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What’s Happening With B.C. Auto Insurance?
Some of my Ontario readers might be wondering what is happening in B.C. and their auto insurance reforms. When the NDP government was formed, they inherited quite a mess. Auto insurance costs were...
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Ontario Government Takes a Different Approach to Auto Insurance Reforms
The 2019 Ontario Budget is out and there’s some positive news for auto insurance consumers. Finally, a government in Ontario takes a slightly different approach to repairing a damaged auto insurance...
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SABS Priority Disputes 101: Help!
It’s a Friday afternoon before a long weekend, of course, and you’ve just received a potential SABS priority dispute. A new Application for Accident Benefits arrives on your desk and the claimant...
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SABS Priority Disputes 101: Reflection on Deflection
In our first article in the Priority Dispute Series, I provided an overview of Ontario’s accident benefit priority dispute scheme and the process necessary to pursue and dispute priority. To recap: The...
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The battle over connected car data has arrived. Insurers are not prepared.
Passenger vehicles are producing unprecedented amounts of data as more and more ‘connected cars’ hit the road. Whoever controls that data could be destined to control the future of auto insurance as...
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