Since its introduction in 2014, Ontario’s Health Service Provider (HSP) licensing framework, governed by the Financial Services Regulatory Authority of Ontario (FSRA), has been contentious. Initially created to address fraud in auto insurance billing, this system has evolved into an unnecessary and costly layer of regulation that has failed to demonstrate its value. Instead, it …

As of October 2024, compensation for healthcare providers treating motor vehicle accident victims in Ontario is below what it was in 1996. Health professionals have effectively been subsidizing the auto insurance sector, delivering care for complex cases at capped rates that set both the patient and provider up for failure. Interaction with the Financial Services …

Introduction: Imagine trying to use an outdated smartphone—its screen cracked, apps running slowly, and software so outdated that even the simplest tasks feel cumbersome. The frustration you experience when it fails to meet modern demands mirrors what healthcare professionals face every day using the outdated Health Claims for Auto Insurance (HCAI) system. While technology in …

For seriously injured Ontarians, attendant care is not a luxury—it is a necessity. It is the most basic level of care that allows individuals with brain injuries, spinal cord injuries, amputations, and other serious conditions to live with dignity. Yet, despite paying into mandatory auto insurance, accident victims are being denied the benefits they need …

The Injury Advocates represent health care providers and legal professionals supporting seriously injured people across Ontario. Working in the Motor Vehicle Accident sector, we have witnessed a steady depletion of available benefits over the years. It has become increasingly difficult for consumers to access the crucial benefits they rely on for their safety and recovery. …