Ontario Insurance Claims Lawyer : Ontario Accident Benefits Lawyer shares of Ontario’s auto insurance regulations changes to SABS . Ottawa Personal Injury Lawyer David Hollingsworth.
Ontario drivers take note: The new Ontario auto insurance regulations will take effect Sept. 1, 2010. The changes include major reductions to accident benefits available in non-catastrophic injury cases along with other significant changes.
The Ontario Minister of Finance has announced changes to Ontario automobile insurance designed to avoid premium increases by stripping down the basic auto insurance coverage.
The changes provide consumers with options to buy additional accident benefit packages at additional cost. The question is how many will? Most likely most car owners will opt for reduced basic auto insurance coverage which means many seriously injured accident victims end up with access to less insurance protection. Equally as disturbing, are those without access to their own automobile insurance policy will only be eligible for a very reduced basic auto insurance coverage.
Some insurers will experience a drop in insurance rates but it will be unfortunately at the expense of the seriously (but not catastrophically) injured Ontario accident victims and those looking to fully protect themselves in an accident and are willing to pay a higher insurance premium.
What these changes mean for the people of Ontario…
Changes in Accident Benefits
The changes include a new Statutory Accident Benefits Schedule (SABS) that now has a cap on medical/rehabilitation and assessment/examination expenses for minor injury at $3500.
New Minor Injury ( a sprain, strain, whiplash associated disorder, contusion, abrasion, laceration or subluxation and any clinically associated sequelae) Guideline for Ontario accidents.
Standard medical and rehabilitation coverage for non-catastrophic claims of $50,000, with optional coverage of $100,000 or $1.1 million.
Standard attendant care coverage for non-catastrophic claims of $36,000, with optional coverage of either $72,000 or $1.072 million. For non-catastrophic claimants, insurers will supply optional caregiver, housekeeping and home maintenance benefits.
Payment for all in-home assessments are capped at $2000 and will be available only to those claimants who have sustained more than a minor injury.
Rebuttal examinations and approval forms will be eliminated.
Several procedures will be simplified and merged (ex: treatment plans and applications for approval of assessments or examinations will now be merged into one process).
Adjusters will have discretion in the use of insurer examinations.
The new SABS also contains a definition for “incurred expense”.
David Hollingsworth has been a Ottawa Personal Injury Lawyer since 1999 dedicated to helping Ontario accident victims. For more information on how these changes affect you, visit www.ottawainjury.ca or call for free consultation 613 978-9549.