Canada Insurance News
Contact:
canadianinsurancenews@gmail.com
Submission Ontario Auto Insurance Three-Year Review
Attention:
Jennifer
MacMillan, Senior Policy Consultant, Auto Insurance Policy Unit, FSCO
at 3YearReview@fsco.gov.on.ca.
This
Open Letter is intended to provide some incite from a victims
perspective, and to educate decision makers.
Submission
to the Ontario Auto Insurance Three-Year Review.
By
Canadian Insurance News
March
29, 2014
Brief Personal
History:
I have a unique
perspective to offer in regards to the insurance industry as I have
been in the insurance system since a fatal crash that was not my
fault back in 2007.
I am a white male,
born in Canada with roots going back to 1670. Before the fatal crash
in 2007 I was a 3rd generation truck driver. My jobs included hauling
almost every produce, and commodity imaginable. I was a professional
driver at the top of my profession with a perfect driving record. We
proudly display a Canadian flag on our back, and front lawn. My
family and I are law abiding members of the community with no
criminal records.
Brief History of
Crash:
I was coming home from work travelling on a narrow country road I used often. When I was about 60 feet from the crest of a blind hill, suddenly there were two cars travelling towards me, side by side, one car was in my lane. There was no where for me to go !...
The teenage boy was speeding and passing on a blind hill and solid double line. He hit me with his car at over 102km/hr; taking off the front wheel, sending me rolling 8 times, and into a tree. I was trapped upside-down. The airbag went off in the side of my head at a force 2/3's more powerful than that of today s cars. I had used the steering wheel to block my face from the crash. As a consequence my head was placed sideways in the steering wheel at the time of impact, and at the time of air bag detonation. Unfortunately the teenage boy died in the crash as he hit another car and a cement barrier. Remarkably his passenger survived.
I was coming home from work travelling on a narrow country road I used often. When I was about 60 feet from the crest of a blind hill, suddenly there were two cars travelling towards me, side by side, one car was in my lane. There was no where for me to go !...
The teenage boy was speeding and passing on a blind hill and solid double line. He hit me with his car at over 102km/hr; taking off the front wheel, sending me rolling 8 times, and into a tree. I was trapped upside-down. The airbag went off in the side of my head at a force 2/3's more powerful than that of today s cars. I had used the steering wheel to block my face from the crash. As a consequence my head was placed sideways in the steering wheel at the time of impact, and at the time of air bag detonation. Unfortunately the teenage boy died in the crash as he hit another car and a cement barrier. Remarkably his passenger survived.
Pictures of the 3
car fatal crash are available online at:
http://survivingacollision.blogspot.ca/
Recommendations
You already know of
the insurance industry practices, so I shall not reproduce them here
in detail and tell you what you already know. I shall not lecture you
on the way injured victims are treated following a crash. You can
search online for that.
The dark side of
the insurance industry world must be quite annoyed by what I would
call “heroes for injured victims”. For example, you are probably
aware of articles by Alan Shanoff (
http://www.torontosun.com/author/alan-shanoff
) . He has written numerous articles that will give you information
on how injured victims are treated by insurers.
Further reading
will eventually get you to the Fair Association of Victims for
Accident Insurance Reform site at: http://www.fairassociation.ca/
. There you will find yourself in information overload as to the
victims movement for Insurance reform. I am a member myself.
If you are an
insider in the insurance world and continue to search you will find
yourself at
including my
Surviving a Collision Blog, and Canadian Insurance News.
On my Surviving a
Collision Blog you will find yourself in my CPP Disability benefit
application nightmare. I applied for the Disability benefit back in
2008 a year after the fatal crash of 2007. I continue to fight for
Disability benefits to date. I think you can imagine what my letters
to Service Canada have been like while they continue to deny my
family a benefit that I am clearly entitled to. Some of the letters
are posted on the Surviving a Collision Blog at
http://survivingacollision.blogspot.ca/
for your viewing.
If you require more
information on the insurance world you can go to the Canadian
Insurance News twitter stream at: https://twitter.com/Cinsurancenews
. It was created for the purpose of communicating, and providing
information.
I have recently
read a sad story about another victim of insurance. His story is
similar to mine but one of the differences is that I wont try to hang
myself. His story serves as a template for insurance practices that a
common, and gives you a glimpse into insurance victims lives. You can
read the article at : Life can change in the blink of an
eye
or at Canadian
Insurance News at:
I used to wonder
why something as simple as insurance has gotten so very, very, out of
control. Out of control insurers, out of control profits, out of
control wordhirlings, out of control pay-for-hire doctors. I have
witnessed what they will do to protect their industry full of deceit,
it disgusts me.
When I was a
trucker I delivered almost everything. I met a lot of people. Most of
the people that I met were honest and hard working. Most of the
people that I have met in the insurance world are dishonest and
uncaring.
I am old enough to
remember when there was help for the injured. Doctors even came to
your house to treat you back in the 60s. Now the insurance company
hires people to abuse an innocent crash victim for profit, and the
system is setup to treat a injured crash survivor like they are
dishonest, just like the insurance world is.
If it were not for
the crash I could go back to my world of Professional Driving, and
working with honest and hardworking people. But I am stuck with
advocating for insurance reform and my ongoing Social Security
Tribunal appeal that they can delay for another year.
Thanks to denials
by the insurance system I now have enough contacts and information to
share with the world, so that maybe, someone, will fix the insurance
system, so that it does not destroy anymore lives, and does what its
suppose to do, and what we pay for. Then I can not spend every waking
hour thinking about the injustice we live in. Waiting for the money
to run out from what little we received from the forced settlement
during the FSCO backlog. When justice disappeared because of
insurance greed, and look-the-other-way politicians and Doctors.
Our insurer that we
paid for decades cut off replacement benefits just prior to
mediation. Sound familiar? It should. Its common for the insurer to
bleed you dry so you must sign on the dotted line. Huh, justice,
where did it go, and how did a product that makes billions of dollars
be allowed not to pay the contract of insurance obligations,
conveniently, to serve their version of justice.
If you are serious
about fixing the insurance system you can start by reducing the fraud
that insurers do by sending a message to them. Start by penalizing
them for their crimes. If I had my way they would be in jail for what
they are doing to innocent injured victims.
Thank you for this
opportunity to communicate with you and express my views.
It is unfortunate
that you don’t hear from enough crash-insurance-victims. An obvious
assumption would be because they can’t. Or they just give up. I
understand why, I’m exhausted from trying to receive what should
have been automatic, and from being prosecuted for no crime for the
last 7 years of my life.
Looking forward to
hearing from you or anyone in this regard. Thank you.
Sincerely,
Administrator,
Canadian Insurance
News
Contact:
canadianinsurancenews@gmail.com
