Ah yes, insurance companies, an industry that has been given a license to steal, no correct that, they have been ordered to steal, by the government of Premier McSquinty.
As for CG’s increase, WELCOME TO ONTARIO, with the highest auto insurance rates in North America, and some of the highest in the world for that matter. I am on another board that deals with my specific make of car (a little German thing that owners love yapping about). The posters come from all over Canada the US and many from Europe and Australia. Everyone is uniformly amazed at the royal ass fucking that the posters in Ontario take for their insurance.
I am an old dude with a perfect driving record of many decades and I pay 5 TIMES more then a 20 something in Texas, double to triple of folks in England and Norway. Oh, yes, let’s not forget, WE GET LESS COVERAGE.
On September 1, 2010 the payouts for injuries were massively cut.
The lying bastard politicians then said that this was done in order to give consumers more choice. Pay more money for less coverage, and it is mandated by law that you pay and this was to help consumers. Reminds me of the story of the guy who was about to be gang raped in prison, in order to be nice, they let him pick who of the 10 guys lined up got to go first, some choice.
For example medical rehab for whiplash and back injuries when you are rear ended by a drunk driver are now capped at $3,500. Go to a good quality physiotherapy clinic and that simply is not enough to cover treatment. Your wage losses are limited to $400 per week. I have a suspicion that most people here actually earn far more than $400 a week.
If you actually ever need coverage, good luck. Some idiot in a call centre in bum-fuck-astan will tell you a garbage story and deny coverage (many people give up at this point and their premiums are pure profit). If you complain a lot, then you may get an offer of 30 cents on the dollar (the vast majority of people take this), if you sue the insurance company and when then you simply get what you should have received at the beginning without all the torture, less of course 50% of your legal fees since the court’s idea of legal fees and the real world’s idea of legal fees are not quite N-Sync.
Hit by a drunk driver, tough shit the deductible comes out of your pocket and you better have paid extra for being hit by an uninsured motorist because Larry the Lush is not covered if he was impaired at the time of the accident.
If you had a serious injury then you have real problems. Your insurance will be capped and Larry the Lush is deemed to have no insurance, you might get $200K from a provincial fund, let’s see how long will that last with $100,000 a year out of pocket medical expenses. Hmmmmm, I’m using my fingers and toes to figure this out, and I come up with 2 years, but I bet you will still be in that wheel chair and pissing through a tube after the 2nd year.
I could go on and on for several more pages, but you get the idea. Insurance law is a complete specialty area onto itself that many lawyers and judges are not fully familiar with. If you read the fine print in your home owner’s policy the number of exclusions for why the raping blood suckers do not have to pay you is amazing. But if you miss a payment, bang policy cancelled and then your mortgage company will be on you like white on rice, get insurance OR ELSE.
