ID
2024-010

Type
Politique
Secteur
Secteur de l'assurance automobile
État
Période de commentaires du public terminée
Date
16 septembre 2024
Date de remise des commentaires
15 novembre 2024

Nous vous remercions de nous avoir fait part de vos commentaires sur la ligne directrice sur la surveillance de la tarification et de la souscription de l’assurance-automobile proposée par l’ARSF.

La demande de soumissions est maintenant fermée.

Nous apprécions les commentaires et les questions reçus à ce jour et nous avons hâte de partager avec vous la version finale de la ligne directrice. Restez au fait des lignes directrices publiées dans notre salle de presse. Suivez-nous sur LinkedIn et inscrivez-vous à notre liste de diffusion pour obtenir des mises à jour rapides.

L’organisme de réglementation des services financiers de l’Ontario, l’ARSF, donne la priorité aux consommateurs avec sa stratégie de réforme de la réglementation de la tarification et de la stratégie de l’assurance-automobile. Elle est conçue pour accroître l’équité et la transparence pour les consommateurs, encourager l’innovation et la santé du marché.

Dans le cadre de cette stratégie, l’ARSF mène actuellement des consultations sur une nouvelle ligne directrice pour garantir que les conducteurs en Ontario payent un tarif juste pour une couverture d’assurance-automobile adaptée. Cette ligne directrice permettra d’aider l’ARSF à être dynamique, à se fonder sur les principes et à se concentrer sur les résultats dans le secteur de l’assurance-automobile.

L’approche proposée encourage une transparence accrue des facteurs qui influent sur les taux de l’assurance-automobile, pour aider les consommateurs à faire des choix éclairés au sujet de leur assurance. L’approche de l’ARSF est centrée sur l’amélioration de l’exactitude de la tarification et des mesures solides de protection des consommateurs.

Pour les assureurs, la ligne directrice proposée encourage un marché de l’assurance solide, dynamique et réactif en Ontario, qui offre de la flexibilité et encourage l’innovation, tout en maintenant la protection des consommateurs au premier plan.

L’ARSF tient une consultation sur les trois premiers chapitres de la ligne directrice proposée, ce qui comprend ce qui suit :

  1. Résultats équitables pour les consommateurs :

    Ce chapitre établit des principes clairs et définit les résultats équitables pour les consommateurs. Les assureurs seront responsables de l’établissement de taux équitables qui sont exacts et de la prise de mesures pour atténuer le risque de discrimination et de partis pris injustes. De plus, les consommateurs auront accès à de l’information claire et transparente sur la détermination de ces taux.

  2. Opérations, contrôles et gouvernance de la tarification et de la souscription de l’assurance-automobile :

    Ce chapitre décrit les attentes de l’ARSF quant aux normes élevées de gouvernance et de pratiques opérationnelles en matière de tarification et de souscription. L’ARSF évaluera ces pratiques en fonction de leur harmonie avec les résultats équitables pour les consommateurs.

  3. Ligne directrice d’approche sur l’accréditation, la surveillance proactive et l’évaluation :

    Ce chapitre décrit le processus de l’ARSF pour évaluer les assureurs sur les pratiques visées au chapitre 2. Les assureurs qui apportent la preuve de pratiques saines dans ces domaines peuvent être accrédités et profiter d’une flexibilité accrue sur certaines exigences de dépôt.

La période de consultation pour les trois premiers chapitres de la ligne directrice proposée est maintenant ouverte et se terminera le 15 novembre 2024. L’ARSF invite les intervenants à examiner la ligne directrice proposée et à lui faire part de leurs commentaires.

L’ARSF tiendra une consultation publique sur le quatrième et dernier chapitre de cette ligne directrice en 2025, qui présente notre nouvelle approche en matière de dépôt.

Plus d’info

L’ARSF continue à travailler au nom de l’ensemble des intervenants, y compris les consommateurs, pour garantir la sécurité financière, l’équité et le choix de toutes et tous. Pour en savoir plus, rendez-vous à www.fsrao.ca.

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Avant de commencer, nous vous demandons de ne pas inclure de renseignements personnels ou de renseignements financiers dans vos messages. Si vous devez nous faire part de ce genre de renseignements pour obtenir une réponse à votre question, appelez-nous au 1 800 668-0128 ou envoyez-nous un courriel à [email protected] pour obtenir des instructions.

En soumettant un contenu, vous acceptez que votre document soit publié sur notre portail de participation et utilisé dans des rapports ou d’autres documents préparés par l’Autorité de réglementation des services financiers (ARSF) et qui pourraient rendus publics. Nous avons modéré le contenu pour nous assurer que toutes les publications sont respectueuses et professionnelles. La Loi sur l’accès à l’information et la protection de la vie privée, L.R.O. 1990, chap. F.31, s’applique à tout contenu publié en ligne.

Secteur Commentaire Date postée
[2024-010] David Adams - Global Automakers of Canada
Please find attached the Global Automakers of Canada response to FSRA Consultation 2024-010
[2024-010] FAIR
FAIR (Fair Association of Victims for Accident Insurance Reform) is a grassroots not-for-profit organization of car crash survivors and their supporters. We are the end-users of the auto insurance product.

Our comments are limited to the FSRA’s stated goal of “fair consumer outcomes” as this is mentioned 48 times throughout the document.

The term “outcomes” presumes that this is a metric that has been measured and the insurance Ontario drivers purchase is graded for quality. That isn’t the case on the ground for Ontario’s claimants.

It isn’t ensuring financial safety, fairness, and choice for everyone if only some claimants can access the recovery resources such as treatment and rehabilitation they need for recovery and a return to work.

We would point out that the fair treatment of consumers starts with acknowledging and investigating the existing problems with the insurer– client relationship once a claim has been made. It’s not just about cost at the purchase point – it’s about value and the promise of coverage.

The Tribunals Ontario 2022-23 Annual Report reveals that 13,983 injured car crash survivors applied for a hearing at the License Appeal Tribunal (LAT) because they weren’t getting what they needed or what they paid for.

Consumers should be concerned that insurers are not acting in good faith or are behaving in a way that causes consumers to have a reasonable apprehension of bias because the system has put few curbs or disincentives in the system to deter insurers from behaving badly.

The recent revelations from the Ontario Trial Lawyers Association (OTLA) regarding the urgent need for a review of the Licence Appeal Tribunal amplifies our concern that Ontario’s vulnerable patients/claimants have their access to benefits and medical care unfairly curtailed in a failing insurer driven justice model. The OTLA/inHealth data paints a picture of despair for claimants who find themselves in an adversarial and complicated system where “out of the 4,500 decisions made by the LAT, self-represented individuals have succeeded only 33 times”. The data shows claimants are only successful at LAT hearings 10% of the time and this should be a red flag for a lack of fairness. It is simply unbelievable that 90% of unpaid and injured claimants are wrong about what they are entitled to. This isn’t just the insurers not acting in good faith during the claims process; this is the auto insurance system, from start to finish, not acting in good faith.

If the goal of fair consumer outcomes is to be met it will have to start with FSRA bringing all of the stakeholders together; The Minister of Finance, the Minister of Health, the Minister of the Attorney General and the LAT, the Regulatory Colleges, and the insurers must all agree that their points of contact with claimants in the current system will focus on the fair treatment of this vulnerable group of consumers.

FSRA must take the long view and focus on the measurable outcomes for consumers, gather that information, and set in motion the steps for accountability to protect claimants to foster the fair treatment of consumers.

FAIR Association of Victims for Accident Insurance Reform

Tribunals Ontario 2022-23 Annual Report
https://tribunalsontario.ca/documents/TO/Tribunals_Ontario_2022-2023_Annual_Report.html#lat

OTLA pushes for urgent Licence Appeal Tribunal review
https://www.lawtimesnews.com/practice-areas/personal-injury/otla-pushes-for-urgent-licence-appeal-tribunal-review/389679
[2024-010] Jennifer Steeves - Canadian Vehicle Manufacturers' Association
On behalf of Brian Kingston, President & CEO of the Canadian Vehicle Manufacturers' Association and our member companies including Ford Motor Company of Canada, Limited, General Motors of Canada Company and Stellantis (FCA Canada Inc.), please find enclosed our response to the Consultation on Proposed Automobile Insurance Rating and Underwriting Supervision Guidance.
A confirmation of receipt is kindly requested.
Secteur de l'assurance automobile
[2024-010] Catherine Allman - Canadian Association of Direct Relationship Insurers
Please find attached CADRI's support of and recommendations for improvement to the Guidance.
Secteur des services de soins de santé
[2024-010] Ralph Palumbo - On behalf of the Ontario Psychological Association
Please find attached the submission of the Ontario Psychological Association (OPA) on the FSRA Consultation on Proposed Guidance on Automobile Insurance
Rating and Underwriting Supervision Guidance.

Regards,

Ralph
Assurance IARD et assurance générale
[2024-010] Sarah Fong - Travelers Canada
Assurance IARD et assurance générale
[2024-010] Amanda Dean - Insurance Bureau of Canada
Good Afternoon,

Thank you for providing the Insurance Bureau of Canada with the opportunity to comment on the consultation. IBC's response is attached.

Thank you,

Amanda Dean
Secteur de l'assurance automobile
[2024-010] Matt Di Maio - Ontario Trial Lawyers Association (OTLA)
Please find OTLA's submission attached. Do not hesitate to contact us if you require additional information.
Secteur des services de soins de santé
[2024-010] Laurie Davis - Ontario Rehab Alliance
To Whom It May Concern,

The Ontario Rehab Alliance is submitting our comments regarding the FSRA Consultation on Proposed Guidance on Automobile Insurance Rating and Underwriting Supervision Guidance.

We welcome the opportunity to further discuss this issue with you and can be reached via email at [email protected] or [email protected].

Sincerely,
Laurie Davis
Executive Director
Ontario Rehab Alliance
Secteur de l'assurance automobile
[2024-010] Olivier Côté - Université Laval
The authors of this letters are Arthur Charpentier, Agathe Fernandes Machado from Université du Québec
à Montréal, Marie-Pier Côté and Olivier Côté from Université Laval (Québec).
Secteur de l'assurance automobile
[2024-010] Karin Ots - Aviva
Please find attached Aviva's submission. Thank you.
[2024-010] Brent Ravelle - CarRx Canada
Please find our company‘s attached briefing to FSRA on consumer insurance transparency.
[2024-010] Huw Williams - Canadian Automobile Dealers Association
The Canadian Automobile Dealers Association (CADA) is the national association for franchised automobile dealerships that sell new cars and trucks. Our over 3,500 dealers represent a key sector of Canada's economy. Through our independently owned and operated dealers, we are represented in nearly every community in Canada and collectively employ over 170,000 people across the country. CADA dealerships represent some 30 brands sold through the franchise system in Canada.

Secteur de l'assurance automobile
[2024-010] Ryan Stein - Definity Insurance
Good afternoon,
Thank you for the opportunity to participate in this consultation. Here is Definity's response.
Have a great day,
Ryan
[2024-010] KEN ARGUE
It is still surprising that owners of cars with serious safety recalls outstanding can be insured and licensed.

Provincial licensing authorities and insurance companies should be working together and searching through readily available manufacturers databases for outstanding serious recalls before renewing licensing and insurance.
Upon discovery of any outstanding recall(s), car owners could be notified by mail, e-mall or by other means, say 90 days before expiry of licenses and insurance, of outstanding recalls and a reminder that these must be completed before licenses or insurance can be renewed. This may include temporary granting of licenses and insurance when there is a shortage of parts to repair vehicles as indicated by various manufacturers. This may also include having the car parked, license and insurance suspended, until such time as the manufacturer can provide the correct part in the most serious of recall cases. Re-sellers of cars should also be required to notify prospective buyers of any outstanding recalls.
This is worthy of serious consideration by both provincial governments and insurance companies.

Ken Argue
Secteur de l'assurance automobile
[2024-010] ARIFUR RAHMAN - n/a
I lived in the US (new Jersey) and in Ontario same amount of time (more than 10 years). I received my license in NJ when I was 25 years old. As a young driver I had minor infraction and tickets when I started driving. That time my insurance was as high as 200 a month. Then over time my driving got better and with my record I was able to reduce my insurance to 90 a month from Geico. After moving to Canada since 2012 I have not had a single ticket, no accidents, no claims. Even I did my driving habit to get 20% discount once, yet my insurance was never less than 200 a month even for collision only coverage. And every year the insurance keep getting increased faster than my salary gets increase. Now, I have always asked the question why my insurance is going up? The answer always "its not you, it is over all industry cost rising and your area, you are getting a rewarding rate for your driving record". I do not see how that is being addressed in the proposal as the rate keeps growing every year and my risk profile is going down every year (age, family, driving history and habit etc.). Insurance companies make billions of dollar profit from insurer's money and when it comes to giving good rates to clients they fail because of 'risk' factors. There is seriously an issue in their mentality. I personally think people should get tax break for paying keeping their insurances as well. That will offset some costs back to the people. The government can then get the benefit portion returned to them by the license provider so that those companies can't play with the insurers.
Assurance IARD et assurance générale
[2024-010] John Taylor - Ontario Mutual Insurance Association
Please find attached the Ontario Mutual Insurance Association's submission.
Date posted Secteur Question et réponse
Secteur de l'assurance automobile

Question: Im being denyed benifits.

Im paying for it.
Can it be redused.

FSRA réponse:

Thank you for your inquiry. Claims handling is out of scope for this guidance consultation. You can file a complaint to FSRA, or reach out to our Contact Centre for assistance.