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Auto Insurance (including HSP) Stakeholder Advisory Committee
Summary of the meeting held on November 19, 2025, both virtually and in person.
Stakeholder Advisory Committee members present:
Amanda Dean – Insurance Bureau of Canada (IBC)
Chris Floyd – Ontario Teachers Insurance Plan
Craig Bran – Co-operators Group
Donald Kunkel – Lifemark Health Group
Faith Kaplan – Kaplan and Levitt Psychologists
Laurie Davis – Ontario Rehab Alliance
Melissa Rai – Desjardins
Mandy Hillhouse – Coachman Insurance Company and SGI Canada
Sarah Hutchison – Ontario Physiotherapy Association
Tyler Kroetsch – Farm Mutual Re
Julie Nolette – Intact Financial Corporation
Shari Douglas – Definity
FSRA management members present:
Dexter John – Chief Executive Officer - CEO
Glen Padassery – Executive Vice President, Policy and Auto/Insurance Products
Jordan Soloway – Executive Vice President, Legal & Enforcement
Antoinette Leung - Executive Vice President, Market Conduct
Meghan Kilty – Chief Public Affairs Officer
Carley Bellissimo – Senior Manager, Corporate Communications
Michelle Dodokin – Head, Auto Insurance Supervision, Auto Insurance Products
Nada Fraij – Director, Product, Rating and Underwriting, Auto Insurance Products
Sharon Tellis - Director, Auto Transformation and Strategy Execution, Auto Insurance Products
Saad Opal – Senior Manager, Supervision, Auto Insurance Products
Cong Wang – Chief Actuary, Auto Insurance Operational Risk Supervision, Auto Insurance Products
Dan Padro – Head, Policy – Core Regulatory
Joel Li – Director, Actuarial Services, Auto Insurance Products
Chris Georgakopoulos – Director, Auto Policy
Melissa Grover – Senior Manager, Auto Strategy, Policy
Jason Harris – Director, Legal for Policy and Rule Making & Deputy General Counsel
Stephan Raby – Senior Legal Counsel
Erica Hiemstra – Head, Insurance Conduct
Beata Morris – Director, Market Conduct – P&C Insurance
Miki Amakawa – Director, Market Conduct – P&C Insurance
Jacqueline Tse – Senior Manager, Market Conduct – P&C Insurance
Stevie Madder – Senior Manager, Market Conduct – P&C Insurance
General Comments:
FSRA’s Executive Vice-President, Policy and Auto/Insurance Products welcomed the Committee and thanked them for their participation. The EVP, Policy and Auto/Insurance Products also introduced FSRA’s new EVP, Market Conduct to the Committee.
FSRA’s CEO provided introductory remarks reinforcing the organization’s commitment to being a collaborative, transparent, and modern regulator. He told the Committee that FSRA is looking to its SAC members to bring forward and identify risks or unintended impacts.
FSRA presented a draft of its new strategic framework, which is built on three pillars: transforming capabilities, embedding principles-based oversight, and promoting proactive and collaborative partnerships. A public consultation on the framework and FSRA’s annual priorities will be launched in the coming weeks.
FSRA also presented its key auto insurance initiatives, Auto Reform Implementation, the Fraud Reporting Service, the new Auto Rate and Underwriting Supervision Model, and Point of Sale Test and Learn Environment. Members of FSRA management provided updates for each of these key initiatives. FSRA management also provided an update on its market conduct supervision plan, which has been extended into 2026.
Committee members highlighted several other important issues impacting the auto insurance sector and consumers.
- Committee members raised ongoing concerns about fraud, crime, and safety issues within the towing and storage industry. While acknowledging FSRA’s limited jurisdiction, the committee members noted the significant impact on consumers and insurers. Progress on government initiatives to reform the towing and storage industry was welcomed.
- Committee members raised concerns about the rate of no-shows and last-minute cancellations for independent medical assessments and suggested that the current regulatory regime lacks sufficient deterrents.
FSRA plans to launch a public consultation for its draft Strategic Framework and annual Statement of Priorities in December 2025, with the consultation period extending into the new year. Feedback will inform FSRA’s Annual Business Plan.