FAIR Association of victims for Accident Insurance Reform
fairassociation.bsky.social
FAIR Association of victims for Accident Insurance Reform
@fairassociation.bsky.social
FAIR (Fair Association of victims for Accident Insurance Reform) is a grassroots not-for-profit organization of Ontario car crash survivors and their supporters. We are the end-users of the auto insurance product. http://www.fairassociation.ca/
Pinned
Go Public takes on Aviva expert witnesses

"Everything hinges on these medical reports," said DesRoches, who heads the not-for-profit FAIR Association of Victims for Accident Insurance Reform

www.cbc.ca/news/health/...

www.cbc.ca/player/play/...
Doctors who'd been criticized for testimony hired as experts by insurers | Go Public
A CBC Go Public investigation reveals insurance companies looking to block or minimize compensation for people hurt in crashes are hiring doctors called out for giving shoddy testimony. Advocates say doctors with histories of reprimands shouldn't be allowed to work as experts.
www.cbc.ca
An important petition on a consumer issue that the Federal Government has taken an interest in.

Protecting consumers generally left to provinces and we know how much Ontario's government cares...

So please help out and take a minute or two to sign this!
Urgent - Please share

Canadians - please help this homeowner & sign this petition. A minimum of 500 signatures needed by Jan. 1/26 for this to be considered.
ourcommons.ca/petitions/en...

It could be you/your child/your friend next.

#factorybuilthousing #modularhousing #prefabhousing
December 16, 2025 at 11:29 PM
Ontario ponders making impaired drivers who kill parents pay child support

Could "drivers convicted of “intoxication manslaughter” who killed a child’s parent or guardian must pay child support until they turn 18 or graduate from high school" happen?
globalnews.ca/news/1153102...
Ontario ponders making impaired drivers who kill parents pay child support | Globalnews.ca
The government suggested the change is based on a 2023 Texas law that requires drivers convicted of killing a parent or guardian to pay child support.
globalnews.ca
November 20, 2025 at 6:39 PM
GIO sees busiest year on record as Canadians turn to OmbudService for claims disputes
of 7,330 total contacts, 550 were Informal Conciliation, six to Mediation, and two to Senior Adjudication
4614 were about auto insurance + the majority of inquiries came from Ontario
giocanada.org/wp-content/u...
GIO sees busiest year on record as Canadians turn to OmbudService for claims disputes
The record spike in insurance complaints signals rising consumer frustration
www.insurancebusinessmag.com
November 5, 2025 at 7:00 PM
Ontario insurers often spend more $ assessing injuries (so they can deny the injury) than they do treating injuries.

Turn down rate is very high, people end up at a tribunal where very few succeed in getting the help they need.

It's what happens when we are legislated to buy an inferior product.
Big mistake. The pain got much worse. The responsible driver's insurance adjuster used this against her. Claimed the fact she was able to work the same day of crash meant she was faking pain.

She got nothing for pain, suffering & income loss. How can these psychopaths sleep at night?
November 3, 2025 at 6:28 PM
"The duty of care exists for every driver, every day, on every road. Whether it means slowing down, anticipating another driver’s mistake, or taking precautionary action, the law expects all drivers to act in a way that prevents foreseeable harm."
strigberger.com/tort/ontario...
Ontario Court: All Drivers Have a Duty to Avoid Accidents
Ontario’s Superior Court confirms all drivers share a duty to avoid accidents — even by taking steps to prevent harm. Learn what McFee v. Sutram means.
strigberger.com
October 31, 2025 at 4:59 PM
This sounds dangerous - we had no idea that repairs of any sort were performed by unskilled workers!

Rules vary across Canada
"companies may cut costs by putting unlicensed or unskilled workers in charge of certain maintenance and repairs — instead of licensed mechanics"
www.cbc.ca/news/gopubli...
Oil change turns into highway hazard after Canadian Tire uses plastic zip ties in vehicle repair, says driver | CBC News
Canadian Tire promotes its auto service centres as "Canada's Garage," but a Newfoundland man says his experience is a warning about the risks of trusting that reputation. He says he lost control of hi...
www.cbc.ca
October 22, 2025 at 9:17 PM
Reposted by FAIR Association of victims for Accident Insurance Reform
“A rise in accidents could impact insurance rates as overall claims amounts rise, potentially resulting in higher car insurance costs for Ontarians.” I think rising insurance rates are the least important outcome of more accidents. More concerning is the concomitant rise in chronic injuries. #onpoli
The AG did a report in dec 2023 about safety concerns

"The audit highlighted a 30% increase in the at-fault collision rate among drivers who passed the shortened test (2.4%) compared to those who completed the full test (1.8%)."

www.insurancebusinessmag.com/ca/news/auto...
Ontario sees rise in accident rates among new drivers following changes to G driving test
Study analyses impact of driving test overhaul implemented in 2022
www.insurancebusinessmag.com
September 20, 2025 at 7:52 PM
Reposted by FAIR Association of victims for Accident Insurance Reform
Driver testing should not have been privatized. Govts issue licences so govt should test drivers. “It found higher rates of collisions among certain groups, including urban drivers who’d taken their tests on lonelier rural roads” I’d heard this was a thing. And people worry about autonomous cars.🙄
"The drivers will have to successfully complete a vision test, knowledge test, and a driving test to have their licences reinstated, and they will have to pay for the tests and provide an appropriate truck for the road test."

driving.ca/auto-news/cr...
Ontario suspends commercial driver licences it suspects are "dishonest"
At least 185 drivers are suspended, and will have to retake all their tests to get their privileges back
driving.ca
September 17, 2025 at 7:18 PM
"...when Albertans need to prove both their identity and their citizenship, they'll be able to do so with a single document."
The change is "also about protecting our democracy," she said, noting that the change will help preserve the integrity and security of elections.

www.cbc.ca/news/canada/...
Alberta to become 1st province with mandatory 'citizenship markers' on driver's licences | CBC News
The government of Alberta announced Monday that driver's licences and identification cards will feature "Canadian citizenship markers." The mandatory change, which is the first of its kind in Canada, ...
www.cbc.ca
September 17, 2025 at 3:25 PM
"The drivers will have to successfully complete a vision test, knowledge test, and a driving test to have their licences reinstated, and they will have to pay for the tests and provide an appropriate truck for the road test."

driving.ca/auto-news/cr...
Ontario suspends commercial driver licences it suspects are "dishonest"
At least 185 drivers are suspended, and will have to retake all their tests to get their privileges back
driving.ca
September 17, 2025 at 3:14 PM
Reposted by FAIR Association of victims for Accident Insurance Reform
I thought Ontario car insurance was bad. Premiums go up while insurers convince politicians they absolutely must reduce what it covers while at the same time their SOP is to deny, anyway. Leaves taxpayers on the hook to pay income support + chronic injury costs. Win-lose @fairassociation.bsky.social
The latest inflation data for car & home insurance, by province.

Alberta absolutely in a league of its own here.
August 19, 2025 at 5:04 PM
Reposted by FAIR Association of victims for Accident Insurance Reform
With provincial govt agreement. They couldn’t do this if Ontario Premiers didn’t agree to it. Shortsighted wasting of taxpayer dollars by foisting insurance costs on OHIP and govt and employer disability benefits under the illusion of “saving” on insurance premiums. #onpoli #CarCrash
Income replacement (basic package) currently $400/wk unless you buy up.

Not increased or indexed for 2 decades = far below the poverty line. Insurance is designed around injured people being dumped on Ontario Disability (ODSP) and CPP-D, also below cost of living.

Punishing claimants is the plan
August 20, 2025 at 5:14 PM
Reposted by FAIR Association of victims for Accident Insurance Reform
I worry about insurance + climate: *no one* is prepared for the size of the destruction that's coming. My fear is we'll ignore it until the insurance system collapses & then it's just "good luck to you": people will simply get bankrupted by disasters.

More on this: www.volts.wtf/p/climate-ch...
Climate change and insurance: a growing fustercluck
Climate change is breaking the insurance market, and state governments can't afford to pick up the pieces
www.volts.wtf
August 19, 2025 at 6:34 PM
About 80% of all claims are capped at $3500 for med/rehab if you are injured in a car crash in Ontario. It is the lowest minor injury guideline in Canada.

Your car will likely be fixed in weeks but you will spend years trying to get medical help - Ontario car insurance has become a scam product.
I should note Ontario has mandatory no-fault insurance for cars. They negotiate premiums and claims with the govt every 5 years, and usually keep premium increases down by cutting what people can claim for. It's the closest to the US horrorshow of health insurance we have. Bad drivers get govt ins.
August 20, 2025 at 4:35 PM
Reposted by FAIR Association of victims for Accident Insurance Reform
I agree with house insurance it’s climate. I don’t know about car insurance in other jurisdictions, but I’ve had more experience than I ever wanted with accident benefits/car insurance and I know it’s profiteering, SOP fraud, and 2008 stock market losses they made up for on the back of claimants. 🤬
August 19, 2025 at 5:54 PM
You have to wonder - why aren't we insisting on better coverage for some of the highest premiums in Canada paid by Ontario drivers!

Car insurance is often an empty promise - just ask the 15,000 Ontarians who had to take their insurer to court last year!
I thought Ontario car insurance was bad. Premiums go up while insurers convince politicians they absolutely must reduce what it covers while at the same time their SOP is to deny, anyway. Leaves taxpayers on the hook to pay income support + chronic injury costs. Win-lose @fairassociation.bsky.social
The latest inflation data for car & home insurance, by province.

Alberta absolutely in a league of its own here.
August 20, 2025 at 4:31 PM
Where injured drivers end up = ODSP

ISAC’s Recommendations:

"Like physicians, we are deeply concerned about the health care crisis and the administrative burden involved in supporting patients living in poverty who are pursuing disability benefits."
policyconsult.cpso.on.ca/ISAC_Respons...
August 20, 2025 at 2:49 PM
Reposted by FAIR Association of victims for Accident Insurance Reform
Governments need to ban touch screens for driver use. It sounds like car manufacturers won’t get rid of this disliked and dangerous tech unless forced to or, at best, incrementally. Shame Volvo, a brand known for safety,
using touch for controls in its newer cars. @fairassociation.bsky.social
How long does it take to do a series of simple functions in 11 new cars with a screen vs old Volvo with buttons.

Volvo V70 2005 rolled 306 meters before the tasks were completed

The car with most complex display 1,372 meters.

In Volvo the job took 10 seconds, compared to 44.6 seconds in the MG:
Hvor lang tid tar det å gjøre en serie enkle funksjoner i 11 nye biler m skjerm – og i en gammel Volvo m knapper.

Volvo V70 fra 2005 rakk å trille 306 meter før oppgavene var utført

Bilen med den mest komplekse skjermen gikk 1372 meter.

I Volvoen tok jobben 10 sekunder, mot 44,6 sekunder i MG-en:
August 14, 2025 at 1:47 PM
Drivers in urban areas report high rates of certain aggressive behaviours, including cutting off other drivers (58%), tailgating (57%) and horn honking (52%).

canadianunderwriter.ca/news/claims/...
Why road rage is the summer hit of 2025
A survey finds soaring summer temperatures has more than half of Canadian drivers saying they've seen road rage incidents while on the roads
canadianunderwriter.ca
July 31, 2025 at 4:51 PM
Really nice to have our advocacy noticed!

Every accident victim deserves compassion, advocacy, and justice.
oatleyvigmond.com/advocating-f...
Advocating for Car Accident Victims in Ontario | Oatley Vigmond | Personal Injury Lawyers in Ontario
Discover the rights of car accident victims in Ontario. Learn how FAIR and Oatley Vigmond are working to fix broken systems and ensure fair treatment.
oatleyvigmond.com
July 31, 2025 at 12:52 AM
Reposted by FAIR Association of victims for Accident Insurance Reform
So can I expect my car insurance to come down now? 🙄

“Équité Association said in a report released Monday that the number of vehicles reported stolen nationally dropped 19.1 per cent in the first half of 2025 compared to the same period in 2024.”

⬇️ Ontario 25.9%
⬇️ Quebec 22.2%

#Canada
Auto theft sees sharp drop in first half of 2025, industry association says
The pace of auto theft is dropping in Canada thanks to collective efforts to crack down on thieves, says an industry group focused on insurance fraud and crime.
www.ctvnews.ca
July 29, 2025 at 11:23 AM
Insurers everywhere appear to forget they are being paid to deliver a service when we need it.

Bottom lines above their customer needs?

Who wants to buy from a company who will take "remedial action" when standing behind their product is more expensive than they expected?

No one we know.
axios.com Axios @axios.com · Jul 29
UnitedHealth reported Tuesday that its medical care ratio is soaring, meaning patients are using their insurance plans at a much higher rate than expected.
UnitedHealth Group plans "remediation actions" as insurance costs balloon
The insurer warned that escalating medical costs will continue to drag down its earnings.
trib.al
July 29, 2025 at 8:02 PM
Reposted by FAIR Association of victims for Accident Insurance Reform
As insurance providers roll out new advertising that emphasizes the rising threat of increasingly common natural disasters without mentioning climate change, Canadians are noticing that their premiums are also increasing at alarming rates. www.nationalobserver.com/2025/07/29/n...
Canada's insurers launch apocalyptic ad blitz as premiums soar
After record climate damages in 2024, Canada’s insurers have spent $150,000 on ominous ads about worsening severe weather — without mentioning climate change — as experts warn of a looming public back...
www.nationalobserver.com
July 29, 2025 at 2:46 PM
Reposted by FAIR Association of victims for Accident Insurance Reform
Most folks are far closer to becoming disabled and/or homeless than they realize.

It’s not a moral failing.

It’s not something you can “try harder” your way out of.

All it takes is one illness, accident or stroke of bad luck.

We all need & deserve better social supports
July 24, 2025 at 10:57 PM
When the passerby stopped to offer their help, their vehicle was stolen by the driver involved in the collision. As a result of the investigation, police located the stolen vehicle at a parking lot in McKerrow and the driver was arrested.

www.ctvnews.ca/northern-ont...
Good Samaritan has their car stolen after stopping to help accident victim on Hwy. 17
Proving the saying that no good deed goes unpunished, a passerby who stopped to help after seeing a crash on Highway 17 in northern Ontario had their vehicle stolen by the driver of the crashed vehicl...
www.ctvnews.ca
July 2, 2025 at 11:51 PM