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/
In Ontario, many homeless are car crash survivors denied coverage by greedy auto insurers. Tribunal hearings are a failure + insurers know this, the regulator FSRA looks the other way + American hedge funds own medical assessment centers.
A total mess
www.insurancebusinessmag.com/ca/news/brea...
A total mess
www.insurancebusinessmag.com/ca/news/brea...
OTLA calls for LAT review as injured Ontarians win fewer disputes
LAT's disputes showed a consistent decline over the years
www.insurancebusinessmag.com
December 17, 2025 at 12:05 AM
In Ontario, many homeless are car crash survivors denied coverage by greedy auto insurers. Tribunal hearings are a failure + insurers know this, the regulator FSRA looks the other way + American hedge funds own medical assessment centers.
A total mess
www.insurancebusinessmag.com/ca/news/brea...
A total mess
www.insurancebusinessmag.com/ca/news/brea...
In Ont auto insurance claims for Acquired Brain Injury and/or Cranial Nerve Injury:
In 2013 $16,258 per claim (average)
2025 $1,696 per claim for same injury.
What #Ont auto insurers pay is dropping at an alarming rate = poor coverage = stress on public health
a.storyblok.com/f/339220/x/6... pg 48
In 2013 $16,258 per claim (average)
2025 $1,696 per claim for same injury.
What #Ont auto insurers pay is dropping at an alarming rate = poor coverage = stress on public health
a.storyblok.com/f/339220/x/6... pg 48
September 27, 2025 at 7:55 PM
In Ont auto insurance claims for Acquired Brain Injury and/or Cranial Nerve Injury:
In 2013 $16,258 per claim (average)
2025 $1,696 per claim for same injury.
What #Ont auto insurers pay is dropping at an alarming rate = poor coverage = stress on public health
a.storyblok.com/f/339220/x/6... pg 48
In 2013 $16,258 per claim (average)
2025 $1,696 per claim for same injury.
What #Ont auto insurers pay is dropping at an alarming rate = poor coverage = stress on public health
a.storyblok.com/f/339220/x/6... pg 48
Agree - if you can't collect on the coverage you paid for after a car crash - the policy is worthless. It is an empty promise that does more harm than good.
There's no meaningful accountability for insurers who stiff customers in #Ontario and half of all claims end up in a court/tribunal.
#onpoli
There's no meaningful accountability for insurers who stiff customers in #Ontario and half of all claims end up in a court/tribunal.
#onpoli
September 21, 2025 at 6:47 PM
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...
"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 7:45 PM
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...
"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...
FSRA has reviewed Health Claims for Auto Insurance (HCAI) data and has confirmed that insurers across the industry have been denying a greater number of travel time expenses. www.fsrao.ca/announcement...
Making every step of recovery harder + FSRA gives advice and they refuse to take action.
2/2
Making every step of recovery harder + FSRA gives advice and they refuse to take action.
2/2
Service provider travel time expense claims
The Financial Services Regulatory Authority of Ontario (FSRA) has received several inquiries from service providers regarding an increase in denials of provider travel time expense claims.FSRA has rev...
www.fsrao.ca
August 20, 2025 at 5:26 PM
FSRA has reviewed Health Claims for Auto Insurance (HCAI) data and has confirmed that insurers across the industry have been denying a greater number of travel time expenses. www.fsrao.ca/announcement...
Making every step of recovery harder + FSRA gives advice and they refuse to take action.
2/2
Making every step of recovery harder + FSRA gives advice and they refuse to take action.
2/2
Ontario government is complicit in the punishing of claimants and have created a hearing system (LAT AABS) that favours auto insurers interests over those of injured car crash survivors.
Huge costs being downloaded to taxpayers continues!
Standing in the way of access to treatments too
1/2
Huge costs being downloaded to taxpayers continues!
Standing in the way of access to treatments too
1/2
August 20, 2025 at 5:26 PM
Ontario government is complicit in the punishing of claimants and have created a hearing system (LAT AABS) that favours auto insurers interests over those of injured car crash survivors.
Huge costs being downloaded to taxpayers continues!
Standing in the way of access to treatments too
1/2
Huge costs being downloaded to taxpayers continues!
Standing in the way of access to treatments too
1/2
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
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 4:42 PM
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
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
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...
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
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...
More on this: www.volts.wtf/p/climate-ch...
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
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. 🤬
In July of 2026 Ontario car insurers will adopt an opt-in model for many types of coverages including income replacement which will become an option.
It will erode coverage and make individuals vulnerable to being personally sued when a driver doesn't opt for income replacement.
This is a bad plan
It will erode coverage and make individuals vulnerable to being personally sued when a driver doesn't opt for income replacement.
This is a bad plan
August 20, 2025 at 4:27 PM
In July of 2026 Ontario car insurers will adopt an opt-in model for many types of coverages including income replacement which will become an option.
It will erode coverage and make individuals vulnerable to being personally sued when a driver doesn't opt for income replacement.
This is a bad plan
It will erode coverage and make individuals vulnerable to being personally sued when a driver doesn't opt for income replacement.
This is a bad plan