Ontario Budget: Auto Insurance Change is Comin’ – but when


Ontario Budget

Auto Insurance change is a comin’ – but what and when?

Dear colleagues,

What Ontario’s 2023 Budget released yesterday has to say about auto insurance is mostly that the government might have more to say at some future date. In the meantime, it’s a déjà vu situation.

We see (once again) that “the current mandatory insurance product may not offer the choices Ontario drivers deserve. This is why the government intends to propose changes that over time would provide consumers with more options when purchasing automobile insurance.” This may be the third time we’ve seen this or similar language in the budget. Not that we’re in a hurry to see vital accident benefits go into a ‘choose your own adventure’ optional benefits bucket but it would be nice to know what exactly is being considered and if it’s in the cards for the foreseeable future.

And for some déjà vu on steroids we see this old chestnut:  “Fraud is a major driver of costs in the auto insurance system.”  

There is, actually, no data to support this claim. There is lots of data on rising costs (car parts and labour for starters) but there is no comparable data on fraud. But governments (this one, and the previous one) have become habituated to repeating this insurers’ line. How else to justify the unholy trinity of delay, deny and dispute and the maintenance of an expensive regulatory regime (FSRA) put in place to mitigate fraud?

We will as always follow developments and keep you posted as any proposed changes begin to see the light of day.

With thanks,

Laurie Davis
Executive Director

Interested in hearing a lawyer’s take on hot topics in the MVA world, join us on April 19 @ 1pm for our virtual, Q&A event Ask A Lawyer.  Open to all. 


Fueling ORA’s 2023 activities with their generous contributions

Finally, our fees are in the news


Our Fees Are In The News!

Dear members/colleagues,

Finally – our fees are in the news!

Last week I spoke with Globe & Mail reporter Chris Hannay and his article is in today’s paper.  He also spoke with physio clinics owner Anthony Grande, the Insurance Bureau of Canada  and FSRA.

When asked about my comment that our fees had been “hermetically sealed since 2014” in FSRA’s Professional Services Guideline,  FSRA’s spokesperson said that the Guideline did not prevent insurers from paying more than the stated minimums.

The piece outlined and attributed my point that while individual adjusters may agree on a case-by-case basis to pay out a fee that is higher than the guideline, by and large it is in the nature of insurance companies to reimburse based on the minimum they are allowed to pay.

And I was directly quoted saying:

“It doesn’t prevent them from paying more. Well, right, it doesn’t prevent them giving all their money away to the poor either but they don’t do it”. 

I think it is an excellent article. Mr. Hannay does a great job of covering the big and small picture aspects of this issue.  I encourage you to read and share. If you are a subscriber here’s the link. If you are not a subscriber and wish to access this article, you can purchase access to today’s paper here.

Events Calendar


Fueling ORA’s 2023 activities with their generous contributions





Copyright © *|CURRENT_YEAR|* *|LIST:COMPANY|*, All rights reserved.


Our mailing address is:


Want to change how you receive these emails?
You can update your preferences or unsubscribe from this list.



FSRA Fee Rules and Travel Time Rules



Time is of the Essence

ORA Provider Travel Time Advocacy

Dear colleagues,

It’s all hands on deck if we are to turn this provider travel time denial ship around so we’re hoping you’ll get involved.

We’ve been invited to meet with the Ministry of Finance soon in response to the letter we sent and will report back once that’s taken place.

It’s vital that we reach out to MPPs so that we are approaching government from multiple angles. Politicians care about their constituents/voters. This is where you come in. Contact your MPP and ask for a meeting. We have developed some Travel Time Talking Points which you can revise as needed to best suit you/your practice and that you can use in an email, phone message or meeting.

Please help get political eyes on this issue by meeting with your MPP.

We have also had an initial response from our letter to FSRA which involves the now familiar usual side-step around what seems to be their responsibility. We will keep pushing.

And in further news on the death by a thousand cuts front we’ve learned that that scorched earth policy on Attendant Care levels and rates is expanding to other insurers. Bad faith like bad news continues to travel fast.

FSRA Fee Rule Consultation

FSRA is having a consultation on its regulatory fees proposal that will close the end of February. Hugely surprising (I saved the best news for last) is that they are not proposing an increase to HSP fees. Nevertheless, we will respond. We can’t wait to talk to FSRA about fees.  Share your thoughts with them online here

Follow Us on Social Media

In hopes of expanding our reach as an advocacy measure, we are working to increase our presence on social media. If you are not currently following us, please take some time to follow us on your chosen platforms.

Laurie Davis, Executive Director

[email protected]
GTA:       647-317-7244
Toll free: 866-475-2844

Copyright © *|CURRENT_YEAR|* *|LIST:COMPANY|*, All rights reserved.
*|IFNOT:ARCHIVE_PAGE|* *|LIST:DESCRIPTION|*Our mailing address is:
*|HTML:LIST_ADDRESS_HTML|* *|END:IF|*View this email in your browser.

Want to change how you receive these emails?
You can update your preferences or unsubscribe from this list.