How Does An Auto Insurance Communicate With Repair Facility

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If y'all've been involved in an auto accident and demand to file an insurance claim, this booklet volition assistance you understand how the claims process works.

In the unfortunate event that yous are involved in an auto blow involving injury or property damage, you lot will exist required to file a claim with your insurance company.

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

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

What's In The Booklet

Report the Accident to Your Broker, Amanuensis, or Insurance Company
Read Your Policy
What Happens After You File a Claim with Your Insurance Visitor?
How Does Your Insurance Company Appraise Error?
What to Await If Your Vehicle Has Been Damaged
Does Your Insurance Company Have 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 Be Responsible for Paying Certain Deductibles
What to Wait If You lot've Been Injured
Applying for Blow Benefit
If You Don't Take Your Ain Auto Insurance
What Can You lot Do If Y'all and Your Insurance Visitor Disagree about Your Entitlement to Accident Benefits, or the Corporeality of Benefits?
Exclusions
If You Take a Complaint

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

When you lot are involved in an motorcar blow involving injury or property damage, you need to report it to your insurance agent, broker, or insurance company within vii days, regardless of who is at fault.

If you are unable to report the blow inside seven days, report information technology as soon as possible later on that. If you don't report your accident within a reasonable amount of time, your insurance company may not have to honour your claim.

Have the Facts in Manus!

Your insurance agent, broker, or company representative will probable enquire you to supply some basic data. To aid speed things upward, endeavour to have the following information with you when you call:

the name of the registered possessor's insurance visitor and his/her machine insurance policy number;
the brand, model, year, registration and licence plate number of the vehicle; and
details regarding the accident, including:

the driver's name and driver's licence number (if the commuter is non the registered owner);
the date, time 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 description of the accident;
the names and commuter's licence numbers of the other drivers, as well as the names of their insurance companies and their auto insurance policy numbers;
the licence plate and vehicle identification numbers of the other vehicles; and
the name and bluecoat number of the investigating police officeholder, if the accident was reported to the police.

Read Your Policy

It'southward a good idea to sit down down and thoroughly read your Ontario Automobile Policy (OAP 1). Information technology provides specific details well-nigh your insurance coverages, your rights and your responsibilities under the contract.

If y'all practise not have a copy of the Ontario Motorcar Policy (OAP 1), ask your insurance agent, banker, or claims adjuster for a copy, or download a copy.

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

What Happens Afterwards Y'all File a Claim with Your Insurance Company?

In one case your claim is reported, yous will be contacted by the claims adjuster assigned to your file.

In some cases the adjuster will want to see with you in person; in other cases the entire claim volition be handled over the telephone. To support your merits, you may also exist required to complete a claim form, also known equally a Proof of Loss class (a sworn argument in support of your claim).

Your claims adjuster will decide the extent to which the claim is covered by your insurance policy, explain the coverages provided by your policy, and help guide yous through the entire claims procedure.

If you accept any questions or if there is something about your policy or merits that you don't sympathize, ask your claims adjuster for description.

How Does Your Insurance Visitor Assess Fault?

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

Insurance companies must decide the degree of mistake to be assigned to each commuter for purposes of determining which holding damage coverages utilize to the blow, and to ensure that the premiums of the driver who was more than 25 per cent at-fault are adjusted appropriately.

The Insurance Act and the Fault Decision Rules fabricated under the Insurance Act decide fault for an auto blow. The Fault Determination Rules are regulations put in place to aid insurance companies provide consumers with prompt claims handling and consistent treatment.

Afterward you report an accident to your insurer, the company volition investigate the circumstances of the accident and so make a fault conclusion based on the Error Decision Rules.

These rules:

embrace more 40 accident situations, using diagrams to illustrate specific occurrences, can be applied to nearly 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 commuter based on which accident scenario most closely resembles the accident. If the accident is non described by whatever of the scenarios, then fault is allocated co-ordinate to the ordinary rules of negligence law.

How Do Police Charges or Convictions Affect Your Insurance Company'south Decision?

If you lot are charged with an offence, you lot will non necessarily be found at fault for insurance purposes.

Similarly, if the police don't file charges, information technology doesn't necessarily mean that the insurance companies investigating the circumstances of the accident volition not discover one or more of the drivers involved at fault. For example, if a vehicle was unable to finish on an icy road and rear-ended another, a constabulary officeholder may say that neither of the drivers was at-mistake. Such a annotate relates to the laying of charges and should not be taken as an stance nigh how the Fault Determination Rules utilize to an auto insurance claim. In a case like this, the insurer would apply the rule stating that a vehicle which rear-ends another is at-fault. On the other hand, with certain types of charges, the Fault Decision Rules will not apply, and fault will instead exist determined according to the ordinary rules of negligence law.

Can Error in an Auto Accident Be Shared?

Yeah. The circumstances of an accident may show that more than one commuter was partially at fault for insurance purposes.

How Does an At-Fault Blow Bear upon Me?

A driver can be anywhere between 100 per cent and zip per cent at error. Any driver who is more than zero per cent at fault will have an at-mistake accident on his or her insurance record.

If you are institute more than than 25 per cent at-fault for the accident, it is more than likely that your premium will go up on renewal.

To confirm how your rates will be affected, check with your insurance agent, broker, or company representative.

Note: When you lend your vehicle to someone, you are also lending him or her your insurance. If the individual you lent your vehicle to has an accident and is plant to be more than than 25 per cent at-fault while using your vehicle, the accident will keep your insurance tape, and your auto insurance premium volition get upwardly.

What Tin You Practise If You Disagree with Your Insurance Visitor's Assessment of Mistake?

If y'all are dissatisfied with your insurance company's decision on fault, and believe that the conclusion does not accurately reflect the circumstances of the accident, speak to the claims adjuster treatment your file. Enquire him or her what rule in the Fault Determination Rules has been applied in your case.

Bring whatever new information to the attending of your insurance company. Generally, an insurance company will revise or reconsider its conclusion on fault just if boosted, relevant data is provided. For example, if an blow occurred in which each driver stated that the other driver had gone through a ruddy calorie-free, an insurance company would have little option but to assign even fault. However, if an eyewitness confirmed which commuter went through the blood-red light, an insurance company could review its determination.

If your insurance company refuses to revise its determination and yous nonetheless disagree, contact your company's complaint officer. He or she will guide y'all through the company's complaint-handling procedures.

Refer to the department in this brochure entitled "If You Have a Complaint" for more than information on how to file a complaint with your insurance company.

What to Await If Your Vehicle Has Been Damaged

The amount yous receive for your impairment claim will depend on the extent to which you are at fault 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 be able to outline the precise coverages that are bachelor to you, besides as any deductibles that may apply.

Claiming with Mandatory Coverage Simply

In Ontario, your mandatory coverage includes Directly Bounty-Property Damage (DC-PD). Under a DC-PD claim, you can to the extent you're non at fault recover for damage to the vehicle and the cost of a temporary rental vehicle (Transportation Replacement Coverage). You can also recover costs for damaged personal contents that are carried in the vehicle, less the deductible you arranged with your insurance company.

For case, if you were 75 per cent at-fault for the blow — and therefore 25 per cent not at fault — your company will pay 25 per cent of your loss, less any deductible.

If your accident is with a vehicle from outside Ontario, DC-PD Coverage does not apply 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 understanding does not exist, yous will have to sue the out-of-province vehicle owner and the commuter to recover your loss. Your insurance company volition know if the out-of-province insurance company has signed an agreement.

If the other vehicle involved in the accident does non have insurance, you may claim under the mandatory Uninsured Motorist Coverage of your policy. If you claim under this coverage, you must be able to identify the owner or driver of the other vehicle involved in the accident, and you volition exist covered for damage to your vehicle and contents up to $25,000, less the first $300 of the loss.

Claiming with Mandatory Plus Optional Coverage

Specified Perils Coverage: If you purchased Specified Perils Coverage, your insurance company volition pay for impairment to your vehicle caused by one of the following perils: burn down; theft or attempted theft; lightning; windstorm, hail, or ascension water; earthquake; explosion; riot or civil disturbance; falling or forced landing of an shipping or parts of an aircraft; or the stranding, sinking, burning, derailment, or standoff of any kind of transport in, or on which, an insured vehicle is existence carried on land or water, regardless of error, less the deductible you chose at the fourth dimension you purchased the coverage.

Comprehensive Coverage: If you purchased Comprehensive Coverage, your insurance company will 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 mistake, less the deductible you lot chose at the time you purchased the coverage.

Collision or Upset Coverage: If you purchased Collision or Upset Coverage, your insurance visitor volition pay to set up or replace your vehicle if it is damaged in an accident, regardless of fault, less the deductible you chose at the time you lot purchased the coverage.

For example, if your vehicle is hit while parked and the responsible driver does not remain at the accident scene and cannot be identified, you lot volition exist reimbursed for your vehicle repair costs only if your policy includes Collision or Upset Coverage.

Collision or Upset Coverage as well pays to gear up or replace 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 company will pay for all losses noted in a higher place under Collision or Upset and Comprehensive Coverages, regardless of fault, less the deductible you chose at the time you purchased the coverage.

If you lot 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 corporeality. This includes whatever wearable, baggage, and sporting equipment, equally well as any electronic accessories and equipment, other than mill-installed equipment. However, if you have a homeowners, condominium, or renters insurance policy, your personal property may be covered under that policy. Call your broker, agent, or insurance company representative for more data.

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

It depends. Information technology's best to ask 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 volition be entitled to a replacement vehicle (for a reasonable length of time) while your vehicle is being repaired.

Notwithstanding, if you are plant to be partially or completely at-fault for the accident, and did non purchase optional Loss of Use (Transportation Replacement) Coverage, the price of a rental vehicle may not be fully covered.

How Does Your Insurance Company Determine Whether to Repair Your Vehicle or Declare It a Total Loss

When yous make a claim for amercement to your vehicle, your insurance visitor volition pay the lower of the following:

the cost to repair the loss or damage, or
the "actual greenbacks value" of your vehicle at the fourth dimension information technology was damaged.

"Bodily Cash Value" (ACV) = The corporeality necessary to replace your vehicle with a comparable used vehicle. (The full mileage, age, overall condition and boilerplate retail selling toll of your vehicle will all be considered in determining its actual greenbacks value.) + applicable sales taxation.

Notation: If you've recently completed piece of work on your vehicle that you think would increase its actual cash value, tell your claims adjuster. He or she may ask you lot to provide receipts to assist the insurance visitor decide your cash settlement.

Recognize that repairs needed to maintain your vehicle in good running order may not increase the actual cash value of your vehicle.

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

Your insurance visitor will likely decide to treat your vehicle as a total loss and offering you lot a cash settlement if the necessary repairs would cost more than than the actual cash value of the vehicle. In most cases, information technology will be your responsibleness to purchase a replacement vehicle.

Note: An exception to the higher up would be if y'all purchased a removing depreciation deduction endorsement. This can exist added to your auto insurance policy for a new vehicle; information technology is not more often than not bachelor on used vehicles. The menstruum of coverage is usually between 2 to five years. This optional endorsement ensures that in the event your new vehicle is written off, you lot 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 available.

What Can You Do If Yous Oasis't Been Offered a Fair Cash Settlement?

Do your homework. Check local paper classified ads and "car trader" magazines to find the asking price for similar vehicles. Although these are asking prices, non the selling prices, this should give you an idea every bit to what your vehicle may exist worth. Write downward the prices of five vehicles similar to yours so take the boilerplate. If this boilerplate is significantly college than the cash settlement being offered to you by your insurance visitor, speak to your claims adjuster.

If you notwithstanding disagree over the value of the vehicle, or its contents, or the nature, corporeality or cost of any repairs, the affair tin can exist settled by an appraisement nether the Insurance Deed. Your request for an appraisal must be made in writing, and your insurance visitor must participate. The insurance company can also make this asking in writing, simply you accept the option whether or not to agree to participate. For this process, each side will appoint an appraiser, and both appraisers will either agree on a value, or if they disagree, will both agree to appoint an umpire who will brand a final determination on the affair.

Getting Your Vehicle Repaired

Selecting a Repair Store

As long as your insurance visitor approves the estimate, yous may accept your vehicle repaired at the repair shop of your option.

Your insurance company may suggest yous bring your vehicle to one of their "preferred" body shops. You may detect using one of their "preferred" shops easier, considering it puts the onus on your insurance visitor to make certain that the work is done satisfactorily.

"Betterment" charges may use if the repairs to your vehicle brand it significantly ameliorate than information technology was earlier the accident!

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

When repairs made to your vehicle end upwards giving yous a vehicle in better condition than yous had before the accident, the deviation is known as "betterment." Since the premise of insurance does not allow the insured to profit or "better" from his or her loss, your insurance company has the right to ask you to contribute towards this betterment.

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

For more information regarding your specific situation, speak to the claims adjuster handling your file.

Does your insurance visitor accept the correct to replace parts in your vehicle with used parts when it is being repaired?

As stated in your insurance policy, your insurance company has the right to repair, rebuild, or supplant any damaged parts with other parts "of like kind and quality." This means that if you damage the front fender of your five-twelvemonth-old vehicle, your insurer can supervene upon the damaged fender with a used one of like kind and quality as the original.

If your vehicle is less than a year old, your insurance company volition likely utilise new Original Equipment Manufacturer (OEM) parts to replace any damaged parts.

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

What are "aftermarket" replacement parts?

Your insurance company may also use "aftermarket" replacement parts canonical by the Certified Automobile Parts Association (CAPA) that come across 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 company will not comprehend the post-obit repairs unless they result from a peril for which you are covered or are required by fire, theft, or vandalism and your policy covers these perils:

tires;
consisting of, or acquired by, mechanical breakdown of any part of the vehicle; or
consisting of, or caused by rusting, corrosion, wear and tear, freezing, or explosion inside the engine.

You lot May Be Responsible for Paying Sure Deductibles

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

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

Take the following case:

Y'all are involved in an accident. Your vehicle's actual cash value is determined to exist $12,000. To repair your vehicle, it would cost $7,000. Since the necessary repairs cost less than the actual cash 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-mistake for the blow, the cost of repairing your vehicle volition not be covered under your Directly Compensation - Property Damage Coverage. Just if you purchased the optional Collision or Upset Coverage with a $500 deductible, your insurance company volition pay $6,500 towards repairing your vehicle ($seven,000 less your $500 deductible). This means y'all will be responsible for paying your $500 Collision or Upset deductible.

On the other manus, if the other driver can be identified, is insured, and is plant to exist totally at-fault for the blow, your insurance company will cover the total cost of repairing your vehicle ($7,000) under your Direct Compensation - Property Impairment Coverage, so long equally your Straight Compensation - Property Damage deductible is zero dollars.

Speak to your claims adjuster nigh your specific state of affairs.

What to Expect If You lot've Been Injured

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

Statutory Accident Benefits provide bounty, regardless of fault, if you, your passengers, or pedestrians suffer injury or expiry in an motorcar blow.

For example, if you are injured in an machine accident, you may be entitled to the post-obit 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 practice non qualify for an Income Replacement or Caregiver benefit.
Caregiver: If you qualify for this benefit, information technology provides compensation for some expenses incurred when you cannot keep as the main caregiver for a member of your home who is in need of care.
Medical: This benefit pays for medical expenses incurred when yous are injured.
Rehabilitation: This benefit pays for rehabilitation expenses incurred when you lot are injured.
Bellboy Care: This benefit compensates yous for some of the expense of an adjutant or attendant.
Compensation for Other Expenses: These benefits pay for another expenses such equally the price of family unit visiting you during treatment or recovery. It may too pay for some housekeeping and habitation maintenance, the repair or replacement of some items lost or damaged in the blow, and some lost educational expenses.

If you die as a result of the blow, members of your family 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 can exist plant in the Ontario Automobile Policy.

Applying For Accident Benefits

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

Equally a get-go step, he or she will provide you lot with an Accident Benefits Application Parcel.

This parcel should include five forms.

In social club for your accident benefits merits to be processed, you will need to complete all those sections of each form that pertain to your situation.

Note: To ensure that your blow benefits claim is handled chop-chop, make certain you:

impress clearly, using bluish or blackness ink;
double-cheque that your forms are complete and that y'all have not missed whatsoever sections before submitting them;
sign and date the forms; and
ask your employer, health practitioner, or anyone else submitting data on your behalf to fill out their forms in total and return them equally quickly every bit possible.

Contact your amanuensis or claims representative if you have whatever questions or take difficulty filling out your Accident Benefits Awarding Package.

Once your insurance company has received and reviewed your Accident Benefits Application Package, it will inform you in writing of which accident benefits you can wait to receive and which portions of your claim, if any, the company is non prepared to pay for.

If You Don't Take Your Ain Machine Insurance

If you don't have your own auto insurance or are not listed on someone else'southward policy, but have been injured in an motorcar accident, you can still make a claim for accident benefits. The circumstances will determine which insurance company is responsible for paying for the accident benefits y'all may exist entitled to.

The nautical chart below will aid you to make up one's mind which insurance company to ship the Accident Benefits Application Parcel to, if you don't ain or lease a vehicle and are non listed on someone else's policy.

Your Situation/Circumstance	Where to Send the Application
Yous were driving a company vehicle.	The insurance company that insures the visitor vehicle.
You lot were a passenger in someone else'southward vehicle when injured	The insurance company that insures the vehicle you lot were a passenger in.
Yous were a passenger in an uninsured vehicle and at that place was more than than one vehicle involved in the accident.	The insurance company of an insured vehicle involved in the accident.
You were a pedestrian or cyclist.	The insurance company of the vehicle that hit you.
None of the above.	The Motor Vehicle Blow Claims Fund (MVACF); see below for more details.

If y'all do non have automobile insurance, are not listed on someone else's policy, and no other vehicle involved in the accident has car insurance or can be identified, yous may exist entitled to obtain blow benefits from Ontario'due south Motor Vehicle Accident Claims Fund (MVACF) .

MVACF is considered to exist the "payer of last resort," providing blow benefits, such as income replacement, medical rehabilitation, and attendant care benefits, to people injured in auto accidents when no auto insurance policy exists to answer to the claim.

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

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

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

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

What Tin can Yous Exercise If You and Your Insurance Visitor Disagree nigh Your Entitlement to Accident Benefits, or the Amount of Benefits?

If you tin't concord with the insurance company about whether you lot are entitled to a do good or the amount of a do good, you can apply to Automobile Blow 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 Prophylactic, Licensing Appeals and Standards Tribunals Ontario (SLASTO) cluster. The Tribunal is independent from the government and the insurance companies.

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

AABS works with individuals and insurance companies to aid them rapidly reach a settlement. This can happen through a meeting, called a case conference, and if that doesn't event in a settlement, and then in that location is a hearing led by an independent adjudicator, who volition make a determination that must be followed.

For more data, contact AABS .

Exclusions

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

whatever commuter who knew, or should reasonably take known, that he or she was driving the vehicle without valid insurance;
any driver without a valid commuter's licence;
any driver who was specifically excluded from driving under your insurance policy;
whatever driver or passengers who knew, or should reasonably have known that the vehicle was driven without the owner's consent;
anyone who made or knew about a material misrepresentation that induced the insurance company to provide you with motorcar insurance; and
anyone who was engaged at the time of the accident in an act for which he or she is convicted of any criminal offence, whether or non the offence is related to the operation of a vehicle.

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

More than importantly, if you lot are institute guilty of committing a criminal offence, your insurance visitor may reject to sell you lot auto insurance or require yous to pay significantly college premiums for insurance in the future.

If you doubtable that yous may be a victim or target of a scam or fraud, you tin can assistance put an finish to the scam or fraud by reporting it.

Equally a starting time pace, study the affair to police. Y'all tin can too make a report to FSCO's Fraud Hotline. Go to www.fsco.gov.on.ca/TipNow or call 1-855-5TIP-At present. Tips to FSCO'due south Fraud Hotline tin be anonymous.

You can also submit an bearding tip to Crime Stoppers (1-800-222-TIPS).

If you want legal advice, the Law Club of Upper Canada has services to help y'all find a legal professional.

In improver to the law, in that location are a number of other organizations that you tin contact for help.

If You Have a Complaint

If you are not satisfied with how your merits is beingness handled, there are steps yous tin can take. Improved measures accept been put in place to assist consumers go their insurance complaints resolved more quickly. Amongst them is the institution of a Complaint-Handling Protocol by all insurance companies licensed to operate in Ontario. How the complaint process works varies from company to visitor. Your company representative (amanuensis, broker, claims adjuster, or customer service representative) volition be able to provide yous with specific information about the procedures to follow should you have a complaint.

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

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 detect the proper name of your visitor'south Consumer Complaint Officer on this list, you should direct your complaint directly to the Chief Executive Officeholder 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 company, your visitor is obligated to provide you with a alphabetic character stating its final position on your complaint. The company's Consumer Complaint Officer will ensure that you receive a letter stating the company's final position, as well as providing y'all with the name and details of an contained Ombudsman organization that can review the complaint if you still do not agree with the company's concluding position.

If you make up one's mind to write to the independent Ombudsman arrangement referred to in your visitor'south terminal position letter, make certain to draw your complaint and why you disagree with the company'south position. Remember to include your visitor'southward letter and any documentation that relates to your complaint.

Upon receipt of your unresolved complaint, a Complaint Officeholder at the independent Ombudsman organization will review and answer to your complaint.