Ontario Tribunal Rejects Driver's Treatment Claims Against Certas Insurer
An Ontario tribunal has dismissed a driver's claims for physiotherapy and psychological treatment against Certas, highlighting how motor accident claimants can face hurdles when seeking certain benefits. The decision may influence how similar disputes are assessed in the province.
What happened
An Ontario tribunal has ruled against a driver who was seeking coverage for physiotherapy and psychological treatment from Certas. The decision underscores the tribunal's role in adjudicating disputes between claimants and auto insurers over entitlement to accident benefits.
What it means for consumers
Motorists pursuing accident benefits should be prepared for close scrutiny of their treatment requests, particularly when seeking ongoing physiotherapy or mental health support. Claimants may need to ensure that medical evidence clearly ties requested treatments to the accident and meets the insurer's policy and statutory thresholds before disputes escalate.
What it means for premiums
No direct premium change has been announced.
Coverage considerations
The ruling reinforces that policy language and statutory frameworks governing accident benefits in Ontario will be applied strictly, and not all treatment claims are automatically approved. Drivers reviewing or renewing their auto policies should pay close attention to the scope of medical and rehabilitation coverage included, especially for physiotherapy and psychological care, and consider whether optional coverages or higher benefit limits might offer stronger protection if a serious injury occurs.