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November 3, 2009

Ontario Government Proposes New Auto Insurance Options

According to The Globe and Mail, the Ontario government is proposing to allow consumers to purchase less auto insurance coverage in order to keep down their auto insurance premiums.

Proposed changes include:

- lower the minimum medical and rehabilitation coverage for auto insurance to $50,000 from the current $100,000;
- adding a new deductible for property damage; and
- removing an insurer's right to an assessment from their own doctor if they disagree with the findings of the insurance company's health provider.


  1. The health care professional associations and the insurance industry should jointly develop standards for the delivery of third party medical examinations as well as qualifications for assessors. FSCO would facilitate the process.

  2. Insurance is intended to protect both the owner and others that may be involved in an accident. If you are at fault for an accident, you can still have damage covered by your insurance and you are protected from being sued personally for the accident. Likewise, if you are in an accident and the other driver is at fault, his or her insurance will cover your injuries and damages so that you do not have to pay out of pocket or file a lawsuit. When two parties involved in a crash have insurance, they can cover their own damages in a no-fault crash or can cover the other party's injuries and damages if they are at fault.If you have been injured by an uninsured motorist and are facing hefty medical and repair bills, a civil lawsuit for damages may be your best option. Visit no win no fee claims for more information.

  3. Well these changes will serve better opportunities and benefits to both the parties indulged. All of us do wanted to have an auto policy and also tries to lower the premium cost too by following one or the other way. Thanks for updating all of us with this information.

  4. Linking to this summary from my site http://insurance-ontario.org - Thanks for the very straightforward summary!