An Ontario provincial government fund that pays insurance claims to people including those who were injured and killed hit and runs has scaled back the compensation it pays out to be in line with recent changes to automobile insurance in Ontario.<\/p>\n
That will mean thousands of dollars that won\u2019t be available to people who can\u2019t identify the car that hit them and can\u2019t sue the driver directly for benefits, if they don\u2019t have their own automobile coverage, lawyers and activists say.<\/p>\n
It\u2019s one of several aspects of the new insurance regulations that are becoming more clear, including that passengers in a bus or pedestrians and cyclists hit by a bus stand to receive fewer benefits if they don\u2019t have their own automobile insurance policies, which are hard to find if they don\u2019t have a car of their own.<\/p>\n
\u201cThe Motor Vehicle Accident Compensation Fund was set up to support Ontarians who find themselves in a really tough spot. They\u2019ve been hit by a driver who fled the scene, the ultimate act of cowardice,\u201d said personal injury lawyer David Shellnutt.<\/p>\n
\u201cIn the past they would get support for income, for their schooling, now, without any say, that\u2019s been torn away. Those supports no longer exist for people injured in hit and runs,\u201d Shellnutt said.<\/p>\n
The lost benefits include income replacement, which tops out at $400 a week, up to $6000 for a funeral benefit, and death benefits, which are about $25,000 for a spouse and $10,000 to a dependent.<\/p>\n
The fund, which paid out about $10 million in claims in 2022, the last year that financial statements are available, will still pay mandatory benefits including medical, rehabilitation, and attendant care benefits, according to correspondence from one of the fund\u2019s examiners.<\/p>\n
When asked about the change at an unrelated news conference on Thursday, Ontario Premier Doug Ford said, \u201cHonestly, that\u2019s the first time I\u2019ve heard of this one,\u201d and referred the question to his staff.<\/p>\n
A government spokesperson said on Friday the fund\u2019s changes align with benefits under the Insurance Act.<\/p>\n
\u201cOur government is providing drivers with greater choice and convenience when purchasing automobile insurance so they can choose the right policy that fits their needs,\u201d said ministry of finance spokesperson Sarah Chapin.<\/p>\n
\u201cMandatory medical, rehabilitation and attendant care benefits continue to be available to eligible individuals injured in automobile accidents meaning pedestrians and cyclists will continue to have access to medical, rehabilitation, and attendant care benefits and will continue to receive the medical care they need,\u201d Chapin said.<\/p>\n
The choice is available for drivers, but the pedestrians and cyclists that are injured do not appear to be able to choose the benefits available to them, said NDP critic Tom Rakocevic.<\/p>\n
\u201cThese are cuts designed as choice. But for those unfortunate pedestrians, they have no choice in the matter,\u201d Rakocevic said.<\/p>\n
Several public transit fleets approached by CTV News said their policies would no longer include optional benefits to those injured in a bus crash, including their passengers.<\/p>\n
Toronto\u2019s TTC said its vehicles are insured through the TTC Insurance Company Limited, and that as of July 1st, its policies do not include optional coverage. <\/p>\n
In Brampton, a city spokesperson said, \u201cAs a result of the Province\u2019s regulatory changes, these optional benefits no longer apply to passengers, pedestrians or cyclists involved in a collision with a City vehicle\u2026<\/p>\n
\u201cAs set out in the new regulation, no passengers of any automobile (including bus riders), can access optional benefits under the City\u2019s auto insurance policies,\u201d the spokesperson said.<\/p>\n
The insurance changes do not affect someone\u2019s ability to sue a driver for negligence, lawyers said.<\/p>\n
Jess Spieker, of Friends and Families for Safe Streets, said when she was hit by a car in 2015 those benefits helped her pay rent and not be evicted as she spent months recovering from a broken spine.<\/p>\n
\u201cI was lucky to have access to income replacement benefit and that was barely enough to keep me housed,\u201d she said.<\/p>\n
\u201cThere\u2019s a whole bunch of stuff that you might not have access to you that you would before and that might be devastating to a victim,\u201d she said.<\/p>\n
CTV News inquired among several insurers to see if there is a policy that could be offered directly to pedestrians to fill the gaps without having a vehicle to insure, but there doesn\u2019t appear to be such a policy.<\/p>\n
The Insurance Bureau of Canada said in an email that a pedestrian or cyclist can access optional benefits if they purchase them through an auto policy where they are the policyholder, that policyholder\u2019s spouse or dependents, or another person specified in the policy, said spokesperson Rebecca Walker.<\/p>\n
One insurer, Aviva, told CTV News they would continue offering optional coverage to passengers, pedestrians and cyclists for a short time.<\/p>\n
\u201cAviva has chosen to continue providing accident benefits coverage for passengers, pedestrians, and cyclists under existing policies until those policies come up for renewal. This gives customers additional time to review their options and make informed decisions about their coverage,\u201d a spokesperson said.<\/p>\n","protected":false},"excerpt":{"rendered":"An Ontario provincial government fund that pays insurance claims to people including those who were injured and killed…\n","protected":false},"author":2,"featured_media":809363,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[712,45,49,48],"class_list":["post-809362","post","type-post","status-publish","format-standard","has-post-thumbnail","category-business","tag-apple-news","tag-business","tag-ca","tag-canada"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/posts\/809362","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/comments?post=809362"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/posts\/809362\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/media\/809363"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/media?parent=809362"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/categories?post=809362"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/tags?post=809362"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}