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If you lot've been involved in an auto blow and need to file an insurance claim, this booklet will assistance you sympathise how the claims process works.

In the unfortunate event that y'all are involved in an machine accident involving injury or property damage, you will be required to file a merits with your insurance visitor.

The following information is designed to guide you through the claims settlement process.

This brochure is non a legal document and does not in whatsoever mode modify or supplant your machine insurance policy. For more information on your specific state of affairs, speak to your insurance agent, broker, or company representative.

What'due south In The Booklet

Report the Accident to Your Broker, Agent, or Insurance Company
Read Your Policy
What Happens After You File a Claim with Your Insurance Company?
How Does Your Insurance Visitor Assess Fault?
What to Expect If Your Vehicle Has Been Damaged
Does Your Insurance Company Accept to Provide You with a Rental Vehicle?
How Does Your Insurance Company Decide Whether to Repair Your Vehicle or Declare It a Total Loss?
Getting Your Vehicle Repaired
You May Exist Responsible for Paying Certain Deductibles
What to Expect If You've Been Injured
Applying for Accident Benefit
If Y'all Don't Have Your Own Auto Insurance
What Can You Do If You and Your Insurance Company Disagree about Your Entitlement to Blow Benefits, or the Amount of Benefits?
Exclusions
If You Have a Complaint

Study the Accident to Your Broker, Amanuensis, or Insurance Company

When you are involved in an auto accident involving injury or property harm, you need to report it to your insurance amanuensis, broker, or insurance company within vii days, regardless of who is at fault.

If you are unable to written report the accident within seven days, report it equally presently equally possible after that. If you don't study your accident within a reasonable amount of fourth dimension, your insurance visitor may not have to honour your claim.

Take the Facts in Hand!

Your insurance agent, broker, or company representative will likely ask you to supply some bones data. To aid speed things upward, try to take the following data with you when yous phone call:

the name of the registered owner's insurance company and his/her auto insurance policy number;
the make, model, year, registration and licence plate number of the vehicle; and
details regarding the accident, including:

the driver's name and commuter's licence number (if the driver is non the registered possessor);
the engagement, fourth dimension and location of the blow,
the extent of any injuries;
the number of passengers involved, if any;
the extent of damage to the vehicle;
your clarification of the accident;
the names and commuter's licence numbers of the other drivers, equally well as the names of their insurance companies and their motorcar insurance policy numbers;
the licence plate and vehicle identification numbers of the other vehicles; and
the name and badge number of the investigating police officer, if the blow was reported to the police.

Read Your Policy

It's a good thought to sit down and thoroughly read your Ontario Auto Policy (OAP 1). It provides specific details nearly your insurance coverages, your rights and your responsibilities under the contract.

If you practice non have a copy of the Ontario Automobile Policy (OAP 1), ask your insurance amanuensis, banker, or claims adjuster for a copy, or download a copy.

The claims process volition exist easier to empathize if you know the details of your coverage and your responsibilities.

What Happens Later You File a Claim with Your Insurance Company?

Once your merits is reported, you volition exist contacted past the claims adjuster assigned to your file.

In some cases the adjuster volition want to run into with you in person; in other cases the entire merits will be handled over the telephone. To support your claim, you lot may too be required to complete a claim class, likewise known every bit a Proof of Loss form (a sworn statement in support of your claim).

Your claims adjuster will make up one's mind the extent to which the claim is covered by your insurance policy, explicate the coverages provided by your policy, and help guide you through the entire claims process.

If you take whatsoever questions or if there is something most your policy or claim that you don't understand, enquire your claims adjuster for clarification.

How Does Your Insurance Company Assess Fault?

Someone is always determined to be at-error in an car accident, whether partially or fully.

Insurance companies must make up one's mind the degree of error to be assigned to each driver for purposes of determining which property damage coverages apply to the blow, and to ensure that the premiums of the commuter who was more than 25 per cent at-fault are adjusted appropriately.

The Insurance Human activity and the Error Determination Rules fabricated nether the Insurance Human action determine fault for an auto accident. The Mistake Conclusion Rules are regulations put in place to aid insurance companies provide consumers with prompt claims handling and consistent treatment.

After you study an accident to your insurer, the visitor will investigate the circumstances of the blow and so make a error conclusion based on the Fault Decision Rules.

These rules:

cover more than 40 accident situations, using diagrams to illustrate specific occurrences, can be applied to most every possible road collision scenario; and
are practical regardless of road or conditions conditions, visibility, point of impact on the vehicles, or the actions of pedestrians.

Fault is allocated to each driver based on which accident scenario virtually closely resembles the blow. If the accident is not described by whatsoever of the scenarios, then error is allocated according to the ordinary rules of negligence police force.

How Do Constabulary Charges or Convictions Affect Your Insurance Visitor's Decision?

If y'all are charged with an offence, you will not necessarily be institute at fault for insurance purposes.

Similarly, if the police don't file charges, it doesn't necessarily mean that the insurance companies investigating the circumstances of the accident will not find one or more of the drivers involved at mistake. For instance, if a vehicle was unable to stop on an icy road and rear-ended another, a police officeholder may say that neither of the drivers was at-fault. Such a annotate relates to the laying of charges and should not be taken equally an stance about how the Fault Determination Rules employ to an auto insurance merits. In a case similar this, the insurer would use the rule stating that a vehicle which rear-ends another is at-error. On the other hand, with certain types of charges, the Fault Determination Rules will non apply, and fault will instead be determined according to the ordinary rules of negligence law.

Can Fault in an Auto Accident Exist Shared?

Yeah. The circumstances of an blow may prove that more than i commuter was partially at fault for insurance purposes.

How Does an At-Fault Blow Bear on Me?

A driver can be anywhere betwixt 100 per cent and nothing per cent at fault. Whatsoever driver who is more than nil per cent at fault will accept an at-fault accident on his or her insurance record.

If you are found more than than 25 per cent at-fault for the blow, information technology is more than than likely that your premium volition go up on renewal.

To ostend how your rates will be afflicted, bank check with your insurance amanuensis, banker, or company representative.

Note: When you lend your vehicle to someone, y'all are likewise lending him or her your insurance. If the individual you lent your vehicle to has an accident and is establish to be more than 25 per cent at-mistake while using your vehicle, the accident volition become on your insurance record, and your auto insurance premium will go up.

What Tin You Do If You Disagree with Your Insurance Company's Assessment of Fault?

If you are dissatisfied with your insurance company's decision on mistake, and believe that the determination does non accurately reverberate the circumstances of the blow, speak to the claims adjuster handling your file. Inquire him or her what rule in the Fault Determination Rules has been applied in your case.

Bring any new data to the attention of your insurance visitor. Generally, an insurance company will revise or reconsider its decision on fault only if additional, relevant information is provided. For example, if an accident occurred in which each driver stated that the other driver had gone through a cherry-red light, an insurance company would have piffling choice simply to assign l-l fault. However, if an eyewitness confirmed which driver went through the red light, an insurance company could review its conclusion.

If your insurance company refuses to revise its decision and you nonetheless disagree, contact your visitor's complaint officeholder. He or she will guide you through the visitor's complaint-treatment procedures.

Refer to the section in this brochure entitled "If You Accept a Complaint" for more data on how to file a complaint with your insurance company.

What to Expect If Your Vehicle Has Been Damaged

The amount yous receive for your impairment claim will depend on the extent to which you are at error for the damage, as well as the type of coverages you purchased.

Speak to your claims adjuster regarding your specific state of affairs. He or she will exist able to outline the precise coverages that are available to you, as well as whatever deductibles that may utilize.

Claiming with Mandatory Coverage Only

In Ontario, your mandatory coverage includes Direct Bounty-Belongings Damage (DC-PD). Under a DC-PD claim, you lot tin can to the extent you're not at fault recover for damage to the vehicle and the cost of a temporary rental vehicle (Transportation Replacement Coverage). Yous can as well recover costs for damaged personal contents that are carried in the vehicle, less the deductible you arranged with your insurance company.

For example, if you were 75 per cent at-fault for the accident — and therefore 25 per cent not at fault — your visitor volition pay 25 per cent of your loss, less whatever deductible.

If your accident is with a vehicle from outside Ontario, DC-PD Coverage does not use unless the insurer of the out-of-province vehicle has signed an agreement with Ontario to settle claims under the DC-PD rules. If an agreement does not exist, you will take to sue the out-of-province vehicle owner and the commuter to recover your loss. Your insurance company will know if the out-of-province insurance company has signed an agreement.

If the other vehicle involved in the blow does not have insurance, you may claim nether the mandatory Uninsured Motorist Coverage of your policy. If you merits under this coverage, you must be able to identify the owner or driver of the other vehicle involved in the accident, and you lot will be covered for damage to your vehicle and contents upward to $25,000, less the beginning $300 of the loss.

Claiming with Mandatory Plus Optional Coverage

Specified Perils Coverage: If y'all purchased Specified Perils Coverage, your insurance company volition pay for impairment to your vehicle caused past one of the post-obit perils: fire; theft or attempted theft; lightning; windstorm, hail, or rising h2o; earthquake; explosion; riot or ceremonious disturbance; falling or forced landing of an aircraft or parts of an shipping; or the stranding, sinking, called-for, derailment, or standoff of whatever kind of transport in, or on which, an insured vehicle is being carried on state or h2o, regardless of mistake, less the deductible you chose at the fourth dimension you purchased the coverage.

Comprehensive Coverage: If you purchased Comprehensive Coverage, your insurance company volition pay for the repair or replacement of your vehicle due to a non-collision loss, including those perils listed under Specified Perils, falling or flying objects, missiles, and vandalism, regardless of error, less the deductible you chose at the fourth dimension you purchased the coverage.

Collision or Upset Coverage: If you purchased Standoff or Upset Coverage, your insurance visitor will pay to ready or supervene upon your vehicle if it is damaged in an blow, regardless of fault, less the deductible you chose at the time you purchased the coverage.

For case, if your vehicle is striking while parked and the responsible driver does non remain at the accident scene and cannot be identified, you will be reimbursed for your vehicle repair costs merely if your policy includes Collision or Upset Coverage.

Collision or Upset Coverage likewise pays to fix or supplant your vehicle if a driver who was not insured, or cannot be identified, damaged your vehicle.

All Perils Coverage: If you purchased All Perils Coverage, your insurance visitor will pay for all losses noted above under Collision or Upset and Comprehensive Coverages, regardless of fault, less the deductible you chose at the time yous purchased the coverage.

If you had personal items that were stolen or damaged while in your vehicle, your policy may not pay for them, or may pay only a limited amount. This includes whatsoever clothing, luggage, and sporting equipment, as well as any electronic accessories and equipment, other than factory-installed equipment. Yet, if y'all have a homeowners, condominium, or renters insurance policy, your personal property may be covered under that policy. Call your broker, agent, or insurance visitor representative for more information.

Does Your Insurance Company Have to Provide You with a Rental Vehicle?

It depends. It's best to enquire your claims adjuster if you're covered before renting a replacement vehicle.

If the other driver's insurance company accepts complete fault for the accident, you lot will be entitled to a replacement vehicle (for a reasonable length of time) while your vehicle is being repaired.

However, if you are found to be partially or completely at-error for the accident, and did not buy optional Loss of Use (Transportation Replacement) Coverage, the cost of a rental vehicle may not be fully covered.

How Does Your Insurance Visitor Decide Whether to Repair Your Vehicle or Declare It a Full Loss

When you make a claim for damages to your vehicle, your insurance company will pay the lower of the following:

the cost to repair the loss or impairment, or
the "bodily cash value" of your vehicle at the time it was damaged.

"Actual Cash Value" (ACV) = The amount necessary to replace your vehicle with a comparable used vehicle. (The total mileage, age, overall condition and boilerplate retail selling toll of your vehicle will all be considered in determining its actual cash value.) + applicative sales tax.

Note: If yous've recently completed work on your vehicle that you think would increment its actual cash value, tell your claims adjuster. He or she may enquire you to provide receipts to aid the insurance visitor decide your greenbacks settlement.

Recognize that repairs needed to maintain your vehicle in good running order may non increase the actual cash value of your vehicle.

Your insurance company volition not pay more to repair your vehicle than its actual cash value at the time it was damaged, less the deductible specified on your Certificate of Car Insurance.

Your insurance company will probable decide to treat your vehicle equally a total loss and offer you lot a greenbacks settlement if the necessary repairs would cost more than than the bodily cash value of the vehicle. In most cases, it will be your responsibility to purchase a replacement vehicle.

Note: An exception to the above would be if you purchased a removing depreciation deduction endorsement. This can be added to your automobile insurance policy for a new vehicle; it is not mostly available on used vehicles. The menstruation of coverage is usually between 2 to 5 years. This optional endorsement ensures that in the event your new vehicle is written off, you will be reimbursed for the total listing price of the new vehicle and not the depreciated value. Consumers purchasing a new vehicle should consult their insurance representative on the coverage choices bachelor.

What Tin can You Practise If You Haven't Been Offered a Fair Cash Settlement?

Exercise your homework. Cheque local paper classified ads and "auto trader" magazines to find the asking price for similar vehicles. Although these are asking prices, not the selling prices, this should give you an thought every bit to what your vehicle may be worth. Write downwardly the prices of five vehicles similar to yours and so have the average. If this average is significantly higher than the cash settlement being offered to you by your insurance company, speak to your claims adjuster.

If you still disagree over the value of the vehicle, or its contents, or the nature, corporeality or cost of whatsoever repairs, the affair can be settled past an appraisal under the Insurance Act. Your asking for an appraisal must be made in writing, and your insurance visitor must participate. The insurance visitor tin can too make this request in writing, just y'all have the choice whether or non to hold to participate. For this process, each side will appoint an appraiser, and both appraisers will either hold on a value, or if they disagree, volition both concord to engage an umpire who will brand a final decision on the matter.

Getting Your Vehicle Repaired

Selecting a Repair Store

Every bit long equally your insurance company approves the estimate, you may have your vehicle repaired at the repair store of your choice.

Your insurance company may advise you bring your vehicle to one of their "preferred" body shops. You may observe using one of their "preferred" shops easier, because it puts the onus on your insurance company to make certain that the work is washed satisfactorily.

"Betterment" charges may apply if the repairs to your vehicle go far significantly amend than it was before the accident!

It is your insurance company's obligation to return your vehicle to its pre-blow/loss condition.

When repairs made to your vehicle end up giving you a vehicle in better condition than you had before the accident, the difference is known as "edification." Since the premise of insurance does not allow the insured to profit or "improve" from his or her loss, your insurance company has the right to inquire y'all to contribute towards this betterment.

For example, if a rusty door console that had been in a standoff were to be replaced with one that is not rusty, you may be expected to contribute financially towards the betterment of the vehicle.

For more information regarding your specific state of affairs, speak to the claims adjuster handling your file.

Does your insurance company have the right to replace parts in your vehicle with used parts when it is existence repaired?

Every bit stated in your insurance policy, your insurance company has the right to repair, rebuild, or replace any damaged parts with other parts "of similar kind and quality." This means that if you damage the front end fender of your five-yr-former vehicle, your insurer can replace the damaged fender with a used one of like kind and quality as the original.

If your vehicle is less than a yr old, your insurance company will likely use new Original Equipment Manufacturer (OEM) parts to supersede whatsoever damaged parts.

Regardless of the historic period of your vehicle, most insurance companies will replace damaged prophylactic-related parts with new ones. For example, your insurance should replace a deployed air purse with new OEM air purse replacement parts.

What are "aftermarket" replacement parts?

Your insurance visitor may also use "aftermarket" replacement parts approved by the Certified Automobile Parts Association (CAPA) that meet or exceed Original Equipment Manufacturer specifications.

Aftermarket parts are overruns from makers of original parts or from manufacturers who specialize in replacement vehicle parts.

Notation: Your insurance visitor volition not embrace the post-obit repairs unless they result from a peril for which yous are covered or are required by burn, theft, or vandalism and your policy covers these perils:

tires;
consisting of, or caused past, mechanical breakdown of any part of the vehicle; or
consisting of, or caused past rusting, corrosion, article of clothing and tear, freezing, or explosion within the engine.

Y'all May Be Responsible for Paying Certain Deductibles

When you lot file a merits for impairment or loss, the payment made by the insurance company may be discipline to a deductible, or the amount of the claim you will be responsible for paying yourself.

You tin can look to pay your full deductible unless the accident was non your fault or was only partially your fault.

Accept the following example:

You are involved in an blow. Your vehicle's actual greenbacks value is determined to be $12,000. To repair your vehicle, it would toll $7,000. Since the necessary repairs cost less than the bodily greenbacks value of your vehicle, your insurance company decides to repair your vehicle rather than declare it a total loss.

If you are 100 per cent at-fault for the accident, the toll of repairing your vehicle will not be covered under your Straight Bounty - Holding Damage Coverage. But if you purchased the optional Collision or Upset Coverage with a $500 deductible, your insurance company will pay $6,500 towards repairing your vehicle ($7,000 less your $500 deductible). This means you will be responsible for paying your $500 Standoff or Upset deductible.

On the other hand, if the other driver can be identified, is insured, and is found to be totally at-mistake for the blow, your insurance company will encompass the total cost of repairing your vehicle ($7,000) nether your Direct Bounty - Belongings Damage Coverage, so long as your Straight Compensation - Property Damage deductible is zero dollars.

Speak to your claims adjuster well-nigh your specific situation.

What to Look If You've Been Injured

Statutory Accident Benefits Coverages are provided by constabulary under every motorcar insurance policy in Ontario. Because the regulations (Statutory Accident Benefits Schedule, or SABS) are provincially mandated, the coverage provided is standard among insurance companies.

Statutory Blow Benefits provide bounty, regardless of error, if you, your passengers, or pedestrians suffer injury or death in an auto blow.

For example, if you are injured in an auto blow, you may exist entitled to the following accident benefits:

Income Replacement: This benefit compensates you for lost income.
Non-earner: This benefit provides compensation if you are completely unable to carry on a normal life and do not qualify for an Income Replacement or Caregiver benefit.
Caregiver: If you authorize for this benefit, it provides compensation for some expenses incurred when yous cannot continue equally the main caregiver for a member of your home who is in need of care.
Medical: This do good pays for medical expenses incurred when you are injured.
Rehabilitation: This do good pays for rehabilitation expenses incurred when you are injured.
Attendant Intendance: This benefit compensates you lot for some of the expense of an aide or attendant.
Compensation for Other Expenses: These benefits pay for some other expenses such as the cost of family unit visiting you during treatment or recovery. It may besides pay for some housekeeping and home maintenance, the repair or replacement of some items lost or damaged in the accident, and some lost educational expenses.

If you die as a consequence of the accident, members of your family unit may also be entitled to the following benefits:

Death: This benefit pays money to members of your family unit.
Funeral: This benefit pays for some funeral expenses.

A total description of the accident benefits that may be available to you lot can be establish in the Ontario Car Policy.

Applying For Accident Benefits

When applying for accident benefits, ask your claims adjuster to outline the procedures yous must follow.

As a start footstep, he or she will provide you with an Accident Benefits Application Package.

This package should include 5 forms.

In order for your accident benefits claim to be candy, you lot will need to consummate all those sections of each class that pertain to your state of affairs.

Annotation: To ensure that your accident benefits merits is handled quickly, make sure you:

print clearly, using blueish or black ink;
double-check that your forms are complete and that you have non missed any sections earlier submitting them;
sign and date the forms; and
inquire your employer, wellness practitioner, or anyone else submitting information on your behalf to make full out their forms in total and return them as quickly as possible.

Contact your agent or claims representative if you have whatever questions or take difficulty filling out your Accident Benefits Application Parcel.

Once your insurance company has received and reviewed your Accident Benefits Application Package, information technology will inform you in writing of which accident benefits you can expect to receive and which portions of your claim, if any, the company is not prepared to pay for.

If You Don't Take Your Own Automobile Insurance

If you lot don't accept your ain auto insurance or are not listed on someone else's policy, only have been injured in an auto accident, y'all tin even so make a merits for accident benefits. The circumstances volition determine which insurance company is responsible for paying for the blow benefits you may be entitled to.

The chart below will help you to determine which insurance company to send the Blow Benefits Application Package to, if y'all don't own or lease a vehicle and are not listed on someone else'due south policy.

Your Situation/Circumstance	Where to Send the Application
You were driving a company vehicle.	The insurance visitor that insures the company vehicle.
Y'all were a rider in someone else'due south vehicle when injured	The insurance company that insures the vehicle you were a rider in.
You were a rider in an uninsured vehicle and there was more than one vehicle involved in the blow.	The insurance company of an insured vehicle involved in the accident.
Y'all were a pedestrian or cyclist.	The insurance company of the vehicle that hit y'all.
None of the above.	The Motor Vehicle Blow Claims Fund (MVACF); meet below for more than details.

If you do non have auto insurance, are not listed on someone else's policy, and no other vehicle involved in the accident has motorcar insurance or tin exist identified, you lot may exist entitled to obtain accident benefits from Ontario'southward Motor Vehicle Accident Claims Fund (MVACF) .

MVACF is considered to be the "payer of terminal resort," providing accident benefits, such as income replacement, medical rehabilitation, and attendant care benefits, to people injured in car accidents when no auto insurance policy exists to respond to the merits.

Annotation: While MVACF protects innocent parties injured in auto accidents, the persons who cause those accidents are still held answerable. MVACF takes legal action against at-error uninsured drivers to recover the full cost of judgments paid out by MVACF.

Get more information on making a claim through MVACF, or write to:

Motor Vehicle Accident Claims Fund
Ministry of Government and Consumer Services
5160 Yonge Street
Suite 805, Box 28
Toronto, Ontario M2N 6L9

Tel: 416-250-1422
Price-free: 1-800-268-7188
Fax: 416-590-7076
E-post: mvacf@ontario.ca

What Can You Practice If You and Your Insurance Company Disagree about Your Entitlement to Accident Benefits, or the Corporeality of Benefits?

If y'all tin't agree with the insurance company well-nigh whether you are entitled to a do good or the corporeality of a benefit, y'all can utilise to Machine Accident Benefits Service (AABS) for help in resolving your dispute.

AABS is a division of the Licence Appeal Tribunal (LAT), a tribunal that is part of the Safety, Licensing Appeals and Standards Tribunals Ontario (SLASTO) cluster. The Tribunal is independent from the regime and the insurance companies.

AABS helps people who are hurt by a motor vehicle blow, and have had their claim for accident benefits denied past an insurance visitor. Drivers, passengers, pedestrians or family members of a person who is injured or dies may all have a claim.

AABS works with individuals and insurance companies to assist them chop-chop attain a settlement. This can happen through a meeting, called a case conference, and if that doesn't event in a settlement, then there is a hearing led by an independent adjudicator, who volition make a conclusion that must be followed.

For more data, contact AABS .

Exclusions

Your insurance visitor is allowed to deny payment of Income Replacement, Non-earner and Compensation for Other Expenses to:

any driver who knew, or should reasonably have known, that he or she was driving the vehicle without valid insurance;
any driver without a valid driver's licence;
any commuter who was specifically excluded from driving under your insurance policy;
any driver or passengers who knew, or should reasonably take known that the vehicle was driven without the owner's consent;
anyone who made or knew about a textile misrepresentation that induced the insurance company to provide y'all with car insurance; and
anyone who was engaged at the fourth dimension of the accident in an act for which he or she is convicted of whatever criminal offense, whether or not the offence is related to the operation of a vehicle.

Similarly, if you are charged with a Criminal Code offence, your insurance company is also allowed to deny you payment of the above SABS benefits, pending the outcome of the charges.

More than importantly, if you are constitute guilty of committing a criminal offense, your insurance visitor may refuse to sell yous auto insurance or crave you lot to pay significantly higher premiums for insurance in the future.

If you suspect that you may exist a victim or target of a scam or fraud, yous can help put an stop to the scam or fraud past reporting it.

As a first step, report the matter to police. You lot tin as well make a report to FSCO'south Fraud Hotline. Go to www.fsco.gov.on.ca/TipNow or call 1-855-5TIP-At present. Tips to FSCO'south Fraud Hotline can be anonymous.

Y'all can also submit an anonymous tip to Crime Stoppers (1-800-222-TIPS).

If you want legal advice, the Law Social club of Upper Canada has services to assistance you find a legal professional.

In improver to the police, there are a number of other organizations that you can contact for help.

If You Have a Complaint

If you are not satisfied with how your claim is beingness handled, at that place are steps you can take. Improved measures have been put in place to help consumers get their insurance complaints resolved more quickly. Amongst them is the establishment of a Complaint-Treatment Protocol by all insurance companies licensed to operate in Ontario. How the complaint process works varies from company to company. Your visitor representative (agent, broker, claims adjuster, or customer service representative) will exist able to provide you with specific information about the procedures to follow should you have a complaint.

In addition, each company has a Consumer Complaint Officeholder who oversees the complaint-handling process. The Consumer Complaint Officeholder is an employee of your insurance company responsible for ensuring that your complaint is addressed. If you are unable to obtain information virtually the protocol from your company representative, or if yous are having difficulty obtaining a response outlining your company'south position, and so you should contact your company's Consumer Complaint Officer.

For your convenience, FSCO has compiled a list of all company Consumer Complaint Officers. This list is available online at: world wide web.fsco.gov.on.ca. If you are unable to find the name of your company's Consumer Complaint Officeholder on this list, yous should direct your complaint directly to the Chief Executive Officer of your insurance company, or contact FSCO at: (416) 250-7250, Toll-free: 1-800-668-0128.

If you are unable to resolve your complaint with your insurance visitor, your visitor is obligated to provide y'all with a letter stating its final position on your complaint. The visitor'southward Consumer Complaint Officer will ensure that you lot receive a letter of the alphabet stating the company's final position, likewise as providing yous with the name and details of an independent Ombudsman organization that can review the complaint if y'all even so do not agree with the company'southward final position.

If you lot make up one's mind to write to the contained Ombudsman organisation referred to in your company's terminal position letter, make sure to draw your complaint and why y'all disagree with the company'due south position. Remember to include your company's letter of the alphabet and any documentation that relates to your complaint.

Upon receipt of your unresolved complaint, a Complaint Officeholder at the contained Ombudsman arrangement will review and respond to your complaint.

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Source: https://www.fsco.gov.on.ca/en/auto/brochures/pages/brochure_claims.aspx