B Response: Page 1 of 1

Size: px
Start display at page:

Download "B-11-3. Response: Page 1 of 1"

Transcription

1 Information Request No..1 RR BCCA.BI.1.a-b Dated 04 May 16 March Insurance Corporation of British Columbia B RR BCCA.BI.1.a-b Reference: Page 5-2, paragraph 6, the first bullet point refers to "An increase in the general damages and future wage loss payments. 1.a To what extent are general damages increasing because bodily injury claimants are experiencing more pain and suffering or longer periods of pain and suffering caused by the injuries suffered in motor vehicle accidents? 1.b To what extent are future wage loss payments increasing because bodily injury claimants are not recovering as fully or as fast as they did previously, therefore their future disability is greater or their period of disability is longer? General damages do not equate to an empirical measure of pain and suffering. General damages include a combination of factors, such as the type of injury presented, court precedents and the individual characteristics of the claimant, as well as compensation for pain and suffering. One cannot accurately measure pain and suffering and therefore it is not possible to comment on whether increased general damages are as a result of claimants experiencing more or longer periods of pain and suffering. Future wage loss payments, as referenced in page 5-2 paragraph 6, refers to payments made to compensate a claimant for the loss of earning capacity that may occur in the future. This head of damage is not a strict mathematical calculation and requires an assessment of what might occur in the future. The assessment of this head of damage involves a number of factors, such as the individual characteristics and circumstances of the claimant, many of which are not necessarily dependant on the length of recovery or period of disability, as well as the length of recovery or period of disability. Therefore ICBC cannot comment on the extent to which recovery and or length of disability impacts future wage loss payments.

2 Information Request No..1 RR BCCA.BI.1.c Dated 04 May 16 March Insurance Corporation of British Columbia.1 RR BCCA.BI.1.c Reference: Page 5-2, paragraph 6, the first bullet point refers to "An increase in the general damages and future wage loss payments. To what extent has ICBC attempted to relate its increasing damages payments and claims costs to the state of health and recovery of bodily injury claimants? As set out in the response to information request.1 RR BCCA.BI.1.a-b, general damages are driven by a variety of factors. Although ICBC recognizes that a claimant s state of health immediately before an injury, during their recovery and subsequent to their recovery, will influence the assessment of damages, ICBC is unable to statistically correlate increasing damages payments and claims costs to the state of health of the claimant and recovery of bodily injury claimants or to attribute increases proportionally to health and recovery status.

3 Information Request No..1 RR BCCA.BI.1.d Dated 04 May 16 March Insurance Corporation of British Columbia.1 RR BCCA.BI.1.d Reference: Page 5-2, paragraph 6, the first bullet point refers to "An increase in the general damages and future wage loss payments. Do the increased damage awards relate at all to difficulty in access to treatment or delay in treatment? It is not ICBC s policy to direct treatments for injured claimants. Claimants arrange for and undertake whatever treatment they and their medical advisors deem necessary. As a result, ICBC is not aware of any difficulty or delay experienced by injured claimants in accessing treatment.

4 Information Request No..1 RR BCCA.BI.2 Dated 04 May 16 March Insurance Corporation of British Columbia.1 RR BCCA.BI.2 Reference: Page 5-2, paragraph 6, the third bullet point refers to "an increase in claim complexity represented by factors such as treatments. ICBC does not elaborate on the "treatments to which it refers. Please provide some detailed information on the "treatments to which reference is made and the context in which the "treatments have been analyzed. Please produce whatever statistical analysis has been done on "treatments to support the assertion made in this bullet point. ICBC s conclusion that an increase in claims complexity is contributing to the increase in bodily injury claims costs is based on a number of factors, including the increase in the percentage of closed bodily injury exposures where the claimant received ten or more treatments. For this analysis, treatments by general practitioners, physiotherapists and chiropractors were counted on bodily injury exposures closed in the years 2003, 2004 and Treatments by specialist doctors, massage therapists and others were not included. The increasing trend is seen from the following: Close Year % Closed Bodily Injury Exposures with More than ten Treatments % % %

5 Information Request No..1 RR BCCA.BI.3.a Dated 04 May 16 March Insurance Corporation of British Columbia.1 RR BCCA.BI.3.a Reference: Page 5-2, paragraph 6, the third bullet point also refers to the "increased need for medical specialists/experts as a factor in an increase in claim complexity. To what does ICBC attribute the increased need for medical specialists/experts? While ICBC has not conducted specific analysis on the reasons for the increase, ICBC s observations based on the file reviews that have been conducted in 2006 and are that the following reasons have contributed to the increased need for medical specialists/experts: More claims with chronic injury allegations being presented. Difficulty in isolating, assessing and attributing which complaints and or injuries are results of the motor vehicle accident and which pre-dated the motor vehicle accident. Shifting demographics (aging) of the population. Lack of consistent medical documentation (more claimants have multiple practitioners managing their medical treatment due in part to greater use of walk-in clinics as the primary care givers). The need for medical specialists/experts arises from ICBC s duty to defend claims made against its insureds third party liability policy. ICBC s duty to defend means that it may need, depending on the specific facts of an individual claim, to arrange medical examination or reviews of medical records and reports in order to properly evaluate the claims that are being made against the insureds third party liability policy.

6 Information Request No..1 RR BCCA.BI.3.b Dated 04 May 16 March Insurance Corporation of British Columbia Page 1 of 2.1 RR BCCA.BI.3.b Reference: Page 5-2, paragraph 6, the third bullet point also refers to the "increased need for medical specialists/experts as a factor in an increase in claim complexity. Please provide information on the frequency with which ICBC uses medical specialists/experts. That is, in what percentage of bodily injury claims both generally and specifically in claims with a value less than $40,000. In claims less than $40,000 please identify the type of specialists/experts ICBC chooses and indicate the relative frequency of use for each type of specialist as a percentage of the whole. ICBC uses medical specialists and experts to assist in the assessment of injury claims. ICBC s current data capture for payments related to medical reports does not distinguish medical reports obtained by the claimant or their counsel from those medical reports, reviews and consultations obtained by ICBC. As a result, ICBC is unable to precisely determine the percentage of claims on which it retains independent specialists and experts. ICBC is able to provide a count of the number of exposures closed in 2006 for which payment was made for medical reports (the payments may represent one or more medical reports) obtained by the claimant or their counsel and ICBC which is set out in Figure 1. This information does not include payments made to the claimant s counsel for disbursements related to medical reports obtained by the claimant or payments made to defence counsel for disbursements related to medical reports. ICBC is unable to distinguish the different types of disbursement payments. Figure 1 Incurred Dollar Range Bodily Injury Exposures Closed in 2006 Number with Medical Report Payment % of Bodily Injury Exposures with Medical Report Payment $0 to $40,000 39,328 9,745 25% Over $40,000 4,343 2,607 60% Total Exposures 43,671 12,352 28% ICBC may retain orthopedic specialists, psychologists, psychiatrists, neurologists, general practitioners and other specialists/experts as required for the nature of the claim presented.

7 Information Request No..1 RR BCCA.BI.3.b Dated 04 May 16 March Insurance Corporation of British Columbia Page 2 of 2 ICBC is not able to identify from the data the frequency with which each type of medical specialist/expert is retained.

8 Information Request No..1 RR BCCA.BI.3.c Dated 04 May 16 March Insurance Corporation of British Columbia.1 RR BCCA.BI.3.c Reference: Page 5-2, paragraph 6, the third bullet point also refers to the "increased need for medical specialists/experts as a factor in an increase in claim complexity. What is ICBC s process and criteria for its selection of ICBC specialists/experts? ICBC uses medical specialists/experts to assist in the assessment of injury claims, and not for treatment purposes. The type of medical specialist or expert selected depends on the individual issues of a particular claim file and the risk the claim file represents. Adjusters have authority to retain a specialist/expert, but selection may require a discussion with either a claims examiner or manager to obtain approval before an expert is chosen and retained. The selection of a specialist/expert may also occur in consultation between the adjuster and defence counsel.

9 Information Request No..1 RR BCCA.BI.4.a-b Dated 04 May 16 March Insurance Corporation of British Columbia.1 RR BCCA.BI.4.a-b Reference: Page 5-4, paragraph 11, refers to reducing the overall time that a claim is open. 4.a Is the length of time that files are open increasing? If so, present the data supporting this conclusion. 4.b If so, to what does ICBC attribute the lengthening time that claims are open? For the purposes of ICBC s investigation of the underlying causes of the increase in the bodily injury claims costs referenced in paragraph 6 on page 5-2 of Chapter 5 of the Revenue Requirements Application, ICBC analyzed file open time data for the years 2003 to The results of that analysis is set out below and is based on average number of days open for exposures closed in the year: Year Average Days Open However, in mid-2006 ICBC introduced claims handling initiatives that included greater focus on bodily injury claims with early indication that these initiatives have resulted in a higher claim closure rate in 2006 and a reduction in pending claims and claim open time (as described in paragraph 29 on page 5-11 of Chapter 5 of the Revenue Requirements Application). ICBC does not have any analysis as to the causes of the increase in file open time between 2003 and 2005.

10 Information Request No..1 RR BCCA.BI.5.a Dated 04 May 16 March Insurance Corporation of British Columbia.1 RR BCCA.BI.5.a Reference: Page 5-4, paragraph 12, the third bullet refers to the "Official Disability Guidelines. Please produce a copy of the Official Disability Guidelines ("ODG ) that will apply to consumers? The Official Disability Guidelines are a web-based application accessible by subscription. Reproduction of the Official Disability Guidelines would violate the licensing agreement. Information about the Official Disability Guidelines is available at the Work Loss Data Institute website at

11 Information Request No..1 RR BCCA.BI.5.b Dated 04 May 16 March Insurance Corporation of British Columbia.1 RR BCCA.BI.5.b Reference: Page 5-4, paragraph 12, the third bullet refers to the "Official Disability Guidelines. What is the Work Loss Data Institute? Where is it based? Who does it represent and how is it compensated? What is the source of origin for the data upon which it relies? The Work Loss Data Institute is an independent database development company focused on workplace health and productivity with offices in California and Texas. ICBC is not able to respond on behalf of the Work Loss Data Institute as to who they represent and how they are compensated, but the intervenor can access information about the Work Loss Data Institute at Please see the response to information request.1 RR BCCA.BI.5.c with respect to the origin of data.

12 Information Request No..1 RR BCCA.BI.5.c Dated 04 May 16 March Insurance Corporation of British Columbia.1 RR BCCA.BI.5.c Reference: Page 5-4, paragraph 12, the third bullet refers to the "Official Disability Guidelines. Please explain how the ODG can be truly applicable to Whiplash Associated Disorder ("WAD ) when the guidelines are primarily created from workplace injuries and work loss data and not motor vehicle accidents? The Work Loss Data Institute confirms that the Official Disability Guidelines were based on over 10 million cases reported to the Center for Disease Control (U.S.) and the Occupational Safety and Health Administration (U.S). Although the Occupational Safety and Health Administration information pertains mainly to occupational injury or sickness, the Center for Disease Control information covers non-occupational cases that include injuries from auto crashes. The proportion between occupational and auto-crash injuries depends significantly on the specific medical condition. The Work Loss Data Institute estimates that more than 50% of the whiplash injuries considered were a result of auto crashes. The Work Loss Data Institute s Official Disability Guidelines are widely used by U.S. property and casualty insurers, primarily in the realm of automobile and workers compensation insurance. The Work Loss Data Institute s client list includes such major insurance companies as: AIG, Allstate, GEICO, Liberty Mutual and State Farm.

13 Information Request No..1 RR BCCA.BI.5.d Dated 04 May 16 March Insurance Corporation of British Columbia.1 RR BCCA.BI.5.d Reference: Page 5-4, paragraph 12, the third bullet refers to the "Official Disability Guidelines. What other source of guideline or equivalent information did ICBC consider besides the Work Loss Data Institute. ICBC considered published reviews of various disability duration guidelines that are available commercially. Published reviews considered included: The Journal of Workers Compensation, Vol.10, No.4, Summer 2001 Disability Medicine, The Official Periodical of the American Board of Independent Medical Examiners, Vol.2, No.3, July September 2002 California Workers Compensation Enquirer (CWCE) Magazine, August The disability duration guidelines and the published reviews were US-based. ICBC is not aware of any Canadian disability duration guidelines, other than those developed by provincial workers compensation boards for their own use.

14 Information Request No..1 RR BCCA.BI.5.e Dated 04 May 16 March Insurance Corporation of British Columbia.1 RR BCCA.BI.5.e Reference: Page 5-4, paragraph 12, the third bullet refers to the "Official Disability Guidelines. In relation to managing WAD, what were the criteria that caused ICBC to choose to purchase the Work Loss Data Institute s information? How much has ICBC paid or will pay to use the ODG? Access for ICBC staff is US$10,017 per year. When the Official Disability Guidelines are introduced to physicians this year, the cost will be US$47,700 per year inclusive of ICBC access.

15 Information Request No..1 RR BCCA.BI.5.f Dated 04 May 16 March Insurance Corporation of British Columbia.1 RR BCCA.BI.5.f Reference: Page 5-4, paragraph 12, the third bullet refers to the "Official Disability Guidelines. What measures does ICBC have in place to assess the effectiveness of the ODG? The Official Disability Guidelines are reference materials that are used by ICBC claims handlers as a benchmarking resource with regard to medical case management, treatment plans and disability. The Official Disability Guidelines assist adjusters in communicating with primary care physicians and other health care practitioners who treat ICBC injured claimants. The effectiveness of the Official Disability Guidelines, as a resource for ICBC s adjusters, is assessed on the basis of the frequency of use (web-site hits ) and anecdotal feedback from adjusters and from the treating health care providers such as primary care physicians, chiropractors, and physiotherapists.

16 Information Request No..1 RR BCCA.BI.6 Dated 04 May 16 March Insurance Corporation of British Columbia.1 RR BCCA.BI.6 Reference: Page 5-5, paragraph 12, the fifth bullet refers to increasing the overall skill level of adjusters. With ICBC enhancing adjuster training, how will ICBC ensure that adjusters are appropriately trained to co-ordinate or provide input or direction on "treatment options described in the ODG? It is not ICBC s policy to direct care. The medical management of the file rests with the health care providers who are treating the injured claimant. Adjusters receive basic training on the Official Disability Guidelines with respect to its use as a benchmarking and communication tool.

17 Information Request No..1 RR BCCA.BI.7 Dated 04 May 16 March Insurance Corporation of British Columbia.1 RR BCCA.BI.7 Reference: Page 5-5, paragraph 13, What skills will Litigation Centre staff possess which enables them to better handle highrisk/high-complexity claims? The Litigation Centre employees went through a rigorous hiring process that identified employees with a proven track record of success in their current position. ICBC specifically looked for employees who demonstrated superior ability in the following categories: technical knowledge relating to bodily injury claims, including all relevant legislation and regulations relating to bodily injury claims and the Supreme Court Rules, analytical and problem solving skills, organizational skills, leadership abilities, communication and interpersonal skills, skills in influence and persuasion and relationship management skills.

18 Information Request No..1 RR BCCA.PM.1.a Dated 04 May 16 March Insurance Corporation of British Columbia.1 RR BCCA.PM.1.a Reference: Page 8-7 and 8-8, Figures 8.4 and 8.5 reflect that ICBC receives its lowest Claims Services Satisfaction scores in "fairness and "kept informed in both tort and accident benefit claims. What steps has ICBC taken to identify the reasons for its low scores in "fairness and "kept informed? As part of the customer satisfaction surveys, ICBC collects customer feedback and detailed comments on specific service attributes. In addition to this customer feedback, ICBC has collected feedback from employees on service.

19 Information Request No..1 RR BCCA.PM.1.b Dated 04 May 16 March Insurance Corporation of British Columbia.1 RR BCCA.PM.1.b Reference: Page 8-7 and 8-8, Figures 8.4 and 8.5 reflect that ICBC receives its lowest Claims Services Satisfaction scores in "fairness and "kept informed in both tort and accident benefit claims. Is ICBC able to identify why customers perceive ICBC to be performing worse in the context of "fairness and "kept informed. ICBC understands this question to mean that fairness and kept informed receive the lowest satisfaction results in comparison to the other attributes underlying the claims services satisfaction and accident benefit only satisfaction measures. Through the specific customer surveys, feedback, customer complaint tracking and ad hoc customer focus groups, ICBC is able to identify many of the reasons why these two attributes perform lower than other service attributes. Please see the response to information request.1 RR BCUC for additional information on steps taken to improve performance in keeping the customer informed.

20 Information Request No..1 RR BCCA.PM.2 Dated 04 May 16 March Insurance Corporation of British Columbia.1 RR BCCA.PM.2 Reference: Page 8-10, Figure 8.8 Customer Approval Index reflects what appears to be a uniformly poor score on the public perception of ICBC. Please amplify the reasoning for not setting a corporate target for the customer approval index. If ICBC is attempting to "develop communications that promote informed opinions and a better understanding of the value of ICBC (as stated on page 8-9), then is it not appropriate to have a corporate target? What approval index score does ICBC consider to be acceptable? ICBC does not set a corporate target for the customer approval index survey as it is a directional indicator only of public perception and not a performance measure, with information from that indicator being used to better understand public perception. Targets are not set for indicators, as there is no goal associated with a directional indicator.

21 Information Request No..1 RR BCCA.PM.3.a Dated 04 May 16 March Insurance Corporation of British Columbia.1 RR BCCA.PM.3.a Reference: Page 8-10, Legal Representation Rate. What are the Legal Representation Rates for claims with a value under $40,000 for each of 2004, 2005, and 2006? The legal representation rate, as described on page 8-10 in Chapter 8 of the Revenue Requirements Application, is a ratio of Y indicators (a yes or no field to indicate whether a file is represented) to the number of newly opened bodily injury exposures. As the bodily injury exposures are newly opened, the final value amount of the exposure is not determined, so the legal representation rate cannot be calculated on an amount basis. ICBC can provide the percentage of closed bodily injury exposures with the total paid under $40,000 with representation for the close years 2004, 2005 and Those percentages are set out in Figure 1 below. Figure 1 Percentage of Closed Bodily Injury Exposures with Total Payment under $40,000 with Representation Close Year Close Year Close Year % 33% 30%

22 Information Request No..1 RR BCCA.PM.3.b Dated 04 May 16 March Insurance Corporation of British Columbia.1 RR BCCA.PM.3.b Reference: Page 8-10, Legal Representation Rate. To what extent can ICBC relate its representation rate to its management of accident benefit claims, that is, can ICBC measure or determine the extent to which consumer frustration with accident benefit issues drives them to retain legal counsel? ICBC would be able to determine whether accident benefit issues lead claimants to retain legal counsel on bodily injury exposures (the legal representation rate is based on bodily injury exposures) only by surveying the accident benefit claimants. ICBC is constrained in its ability to conduct timely research into the reasons that accident benefit claimants who also have a bodily injury claim retain counsel due to issues with their accident benefit claim. It would be inappropriate for ICBC, or an agent on ICBC s behalf, to contact to survey represented claimants.

23 Information Request No..1 RR BCCA.PM.3.c Dated 04 May 16 March Insurance Corporation of British Columbia.1 RR BCCA.PM.3.c Reference: Page 8-10, Legal Representation Rate. Can ICBC identify when, in the course of a claim, legal representation generally occurs. For example, X% have lawyers retained within 3 months, or 6 months, etc. ICBC tracks whether a bodily injury claim file has legal representation by running a report to show the number of bodily injury claims that have a Y-indicator. A Y-indicator is a yes or no field to indicate whether a file is represented and is information entered by the adjuster in to the field. The presence of a Y-indicator does not necessarily provide accurate information on the timing of legal representation. Currently, the only way for ICBC to accurately determine when in the course of a claim legal representation occurs is to perform a manual review of all bodily injury claim files.

24 Information Request No..1 RR BCCA.PM.4 Dated 04 May 16 March Insurance Corporation of British Columbia.1 RR BCCA.PM.4 Reference: Page 8-16, Figure 8-15, Bodily Injury Paid Severity. Please provide the severity measure for claims above and below $40,000 for each of 2004 and 2005 as well. If not available, please explain why? The bodily injury paid severity for the years 2004 and 2005 for above and below $40,000 is as follows: Bodily Injury Paid Severity 2004 Actual 2005 Actual Total Bodily Injury Paid Severity Below $40,000 Above $40,000 $21,024 $8,091 $131,188 $24,488 $8,717 $135,031

25 Information Request No..1 RR BCCA.PM.5 Dated 04 May 16 March Insurance Corporation of British Columbia Page 1 of 2.1 RR BCCA.PM.5 Reference: Page 8-17, Figure 8.16 Accident Benefit Paid Severity. Since the inclusion of claims over $100,000 adds "volatility" to this measure, please provide the accident benefit paid severity for each of 2004, 2005, and 2006 excluding all claims for accident benefits over $100,000. Further, to the extent that the BCUC and ICBC distinguish between claims over and under $40,000 in the bodily injury category, please provide the accident benefit paid severity for claims where the bodily injury severity was over and under $40,000. The object is to allow a comparison of the trends in relation to accident benefits and bodily injury severity within a consistent category of claims. Accident benefit paid severity is calculated on the basis of total payments on accident benefit exposures closed in a year, regardless of the year of loss (and as a result, is distinct from actuarial data which is based on loss year, regardless of when the claim is reported or when it is closed). Figure 1 below sets out the accident benefit paid severity for the years 2004 to 2006 after excluding accident benefit exposures over $100,000. Figure 1 - Accident Benefit Paid Severity Excluding Exposures over $100, Actual 2005 Actual 2006 Actual Accident Benefit Paid Severity $1,318 $1,449 $1,410 Figure 2 below sets out the total accident benefit paid severity for bodily injury exposures closed in each of 2004, 2005 and 2006, separated into closed bodily injury exposures over and under $40,000. The accident benefit paid severity set out in Figure 2 related to the bodily injury exposures is calculated on the basis of the close year for the bodily injury exposure in order to be able to determine the value of the bodily injury exposure, rather than the close year for the accident benefit exposure, as is done for the calculation of accident benefit paid severity in Figure 8-16 of Chapter 8 of the Revenue Requirements Application and for the total accident benefit paid severity shown in Figure 2.

26 Information Request No..1 RR BCCA.PM.5 Dated 04 May 16 March Insurance Corporation of British Columbia Page 2 of 2 Figure 2 Accident Benefit Paid Severity by Bodily Injury Paid Severity Over and Under $40, Actual 2005 Actual 2006 Actual BI Exposures Below $40,000 $ 905 $ 913 $ 858 BI Exposures Above $40,000 $8,625 $8,799 $8,123

27 Information Request No..1 RR BCCA.PM.6 Dated 04 May 16 March Insurance Corporation of British Columbia.1 RR BCCA.PM.6 Reference: Appendix 8-A, Performance Statistics, reveals that from 2005 to 2006 accident benefit paid severity decreased while bodily injury paid severity increased. For, ICBC projects a 1.9% increase in accident benefit paid severity but a 4.9% increase in bodily injury paid severity. Has ICBC explored the relationship between decreasing AB payouts and rising BI severity? If so, what conclusions has ICBC made? A decrease in the average accident benefit paid severity does not equate to a reduction in the accident benefit payouts. The accident benefit paid severity measure is an average of total payments on accident benefit exposures closed in a year and does not measure a change in the value of the amount paid on individual accident benefit exposures. Accident benefit paid severity is affected by the number of exposures, the mix of exposures, in particular the number of large loss exposures, and the total payments. In addition, not all accident benefit exposures have a corresponding bodily injury claim. Exposures related to claims handled within the Low Velocity Impact Guidelines are not related to a bodily injury claim. Consequently, it is not possible to directly correlate changes in accident benefit paid severity with changes in bodily injury paid severity.

CAR ACCIDENT GUIDE TABLE OF CONTENTS

CAR ACCIDENT GUIDE TABLE OF CONTENTS CAR ACCIDENT GUIDE TABLE OF CONTENTS Page Introduction... 1 First Step... 1 Finding and Hiring a Lawyer... 1 Financial Arrangements... 2 Your Claim... 3 Documenting Your Claim... 5 Parties to the Claim...

More information

Document hosted at http://www.jdsupra.com/post/documentviewer.aspx?fid=2066f4aa-63a1-461f-a364-221d2e99642d

Document hosted at http://www.jdsupra.com/post/documentviewer.aspx?fid=2066f4aa-63a1-461f-a364-221d2e99642d How Much Is My ICBC Claim Worth? Each ICBC claim is unique. The value of any ICBC claim will depend on a number of factors including who is at fault, the type of injuries and the effect of the injuries

More information

OFFICE OF INSURANCE REGULATION Property and Casualty Product Review

OFFICE OF INSURANCE REGULATION Property and Casualty Product Review OFFICE OF INSURANCE REGULATION Property and Casualty Product Review NOTIFICATION OF PERSONAL INJURY PROTECTION BENEFITS YOUR PERSONAL INJURY PROTECTION RIGHTS AND BENEFITS UNDER THE FLORIDA MOTOR VEHICLE

More information

PERSONAL INJURIES. If needed, we may be able to tell you of professionals in your area whom you can consider.

PERSONAL INJURIES. If needed, we may be able to tell you of professionals in your area whom you can consider. PERSONAL INJURIES There are three main aspects to dealing with the results of personal injury: medical treatment, employment, and recovery of proper compensation. MEDICAL TREA TMEN T Coordinatinq Doctor

More information

Have you or someone you know suffered a personal injury? TIPS TO MAXIMIZE COMPENSATION

Have you or someone you know suffered a personal injury? TIPS TO MAXIMIZE COMPENSATION Have you or someone you know suffered a personal injury? TIPS TO MAXIMIZE COMPENSATION If you have suffered a personal injury it is important to consider all potential sources of compensation. A personal

More information

Information requests to ICBC in relation to B.C. Utilities Commission Application - Filing of Performance Measures and Information Sharing Protocols

Information requests to ICBC in relation to B.C. Utilities Commission Application - Filing of Performance Measures and Information Sharing Protocols Mr. Donnie Wing, CA Vice President Investment & Corporate Development Insurance Corporation of British Columbia PO Box 2606 349 West Georgia Street Vancouver, BC V6B 3W8 March 24, 2004 BY E-MAIL: regaffairs@icbc.com

More information

Motor Vehicle Accident Claims: What are your rights?

Motor Vehicle Accident Claims: What are your rights? Motor Vehicle Accident Claims: What are your rights? If you or a loved one has been seriously injured in a motor vehicle accident, there are a number of critical decisions that must be made. Who will care

More information

STATE OF LOUISIANA COURT OF APPEAL, THIRD CIRCUIT 03-987 **********

STATE OF LOUISIANA COURT OF APPEAL, THIRD CIRCUIT 03-987 ********** STATE OF LOUISIANA COURT OF APPEAL, THIRD CIRCUIT 03-987 LAWANDA THEODILE VERSUS RPM PIZZA, INC. ********** APPEAL FROM THE OFFICE OF WORKERS' COMPENSATION - # 4 PARISH OF LAFAYETTE, NO. 03-02178 SHARON

More information

MARCH 9, 2015. Referred to Committee on Commerce, Labor and Energy. SUMMARY Makes various changes relating to workers compensation.

MARCH 9, 2015. Referred to Committee on Commerce, Labor and Energy. SUMMARY Makes various changes relating to workers compensation. S.B. SENATE BILL NO. COMMITTEE ON COMMERCE, LABOR AND ENERGY MARCH, 0 Referred to Committee on Commerce, Labor and Energy SUMMARY Makes various changes relating to workers compensation. (BDR -) FISCAL

More information

MOTOR VEHICLE COLLISION SUMMARY ADVICE FORM

MOTOR VEHICLE COLLISION SUMMARY ADVICE FORM Form 1.03 July 9, 2014 MOTOR VEHICLE COLLISION SUMMARY ADVICE FORM TO: (Name) (Address) FROM: KUBITZ & COMPANY Lawyers 1716 10 th Avenue S.W. Calgary, Alberta T3C 0J8 (City, Province, Postal Code) Home

More information

DISABILITY CLAIM APPLICATION FORMS For Standard / Partial Payment and Dismemberment Plans

DISABILITY CLAIM APPLICATION FORMS For Standard / Partial Payment and Dismemberment Plans DISABILITY CLAIM APPLICATION FORMS For Standard / Partial Payment and Dismemberment Plans INSTRUCTIONS ALL OF THE FOLLOWING PROPERLY COMPLETED FORMS ARE ESSENTIAL TO THE PROMPT PROCESSING OF YOUR DISABILITY

More information

8/24/2012. No Fault: Concept versus Reality

8/24/2012. No Fault: Concept versus Reality No Fault: Concept versus Reality Jennifer Kubit, FCAS, MAAA Progressive Corporation 1 The Casualty Actuarial Society is committed to adhering strictly to the letter and spirit of the antitrust laws. Seminars

More information

PROCEDURES TO CLAIM SHORT TERM DISABILITY BENEFITS

PROCEDURES TO CLAIM SHORT TERM DISABILITY BENEFITS PROCEDURES TO CLAIM SHORT TERM DISABILITY BENEFITS The Short Term Disability (STD) benefits help you through periods when you are off work due to disability caused by illness or accidental injury outside

More information

Where to Begin 1. What You Need to Know Once You ve Been Injured 2. The People Playing a Role in Your Recovery 5

Where to Begin 1. What You Need to Know Once You ve Been Injured 2. The People Playing a Role in Your Recovery 5 Where to Begin 1 Contents What You Need to Know Once You ve Been Injured 2 The People Playing a Role in Your Recovery 5 Why You Need a Personal Injury Lawyer 8 Frequently Asked Questions 11 Recovery Diary

More information

RISK RESPONSIBILITY REALITY APPENDIX D AUTOMOBILE INSURANCE IN CANADA

RISK RESPONSIBILITY REALITY APPENDIX D AUTOMOBILE INSURANCE IN CANADA The appendix includes relevant clauses drawn from the Compulsory Minimum Insurance Coverage for Private Passenger Vehicles as prepared by the Insurance Bureau of Canada (FACTS 2005 p. 12-15) used with

More information

Is What You Know About Injury Claims Accurate?

Is What You Know About Injury Claims Accurate? Is What You Know About Injury Claims Accurate? Presented by: Attorney Mark L. Krueger www.kh-law.net IS WHAT YOU KNOW ABOUT INJURY CLAIMS ACCURATE? Misconception No. 1 I have no claim if the responsible

More information

OREGON MUTUAL INSURANCE GROUP G0574AO (1-10) SECTION II - PERSONAL INJURY PROTECTION

OREGON MUTUAL INSURANCE GROUP G0574AO (1-10) SECTION II - PERSONAL INJURY PROTECTION OREGON MUTUAL INSURANCE GROUP G0574AO (1-10) SECTION II - PERSONAL INJURY PROTECTION We agree with you, subject to all the terms of this endorsement and to all of the terms of the policy unless modified

More information

THE MAJOR IMPACT OF THE NEW MINOR INJURIES CATEGORY

THE MAJOR IMPACT OF THE NEW MINOR INJURIES CATEGORY THE MAJOR IMPACT OF THE NEW MINOR INJURIES CATEGORY By Cary N. Schneider September, 2010 VOL. 4, ISSUE 4 Cary N. Schneider is a partner at Beard Winter LLP who specializes in accident benefit and tort

More information

FIRST JUDICIAL DISTRICT OF PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF PHILADELPHIA COURT TERM: NO.

FIRST JUDICIAL DISTRICT OF PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF PHILADELPHIA COURT TERM: NO. FIRST JUDICIAL DISTRICT OF PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF PHILADELPHIA PLAINTIFF(S) v. DEFENDANT(S) CIVIL TRIAL DIVISION Compulsory Arbitration Program COURT TERM: NO. Defendant s Interrogatories

More information

NEW MEXICO SELF-INSURERS' FUND WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY PLAN

NEW MEXICO SELF-INSURERS' FUND WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY PLAN NEW MEXICO SELF-INSURERS' FUND WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY PLAN In return for the payment of the premium and subject to all terms of this Policy, we agree with you as follows. GENERAL

More information

Practicing Within the New Auto Insurance Scheme: Pitfalls and Strategies

Practicing Within the New Auto Insurance Scheme: Pitfalls and Strategies Practicing Within the New Auto Insurance Scheme: Pitfalls and Strategies Introduction An increase of nearly 800 per cent in insurance company profits for 2003 was a surprise, especially after repeated

More information

Who will these reforms benefit? Anyone who has auto insurance in Nova Scotia and who has been involved in an automobile accident.

Who will these reforms benefit? Anyone who has auto insurance in Nova Scotia and who has been involved in an automobile accident. Questions and Answers for Consumers Automobile Insurance Reform: Phase 2 General Questions about Phase 2 Reforms Why is the government so interested in reforming auto insurance? Auto insurance had not

More information

EMPLOYEE BENEFITS LIABILITY COVERAGE FORM

EMPLOYEE BENEFITS LIABILITY COVERAGE FORM EMPLOYEE BENEFITS LIABILITY COVERAGE FORM THIS FORM PROVIDES CLAIMS MADE COVERAGE. PLEASE READ THE ENTIRE FORM CAREFULLY. Various provisions in this policy restrict coverage. Read the entire policy carefully

More information

Texas Health Care Network

Texas Health Care Network Why was the Health Care Network (HCN) created? Texas had the second highest workers compensation costs in the country. The cost to employers was making it difficult for employers to operate in Texas and

More information

1 Risk Factors for Prolonged Disability After Whiplash Injury: A Prospective Study. Spine: Volume 30(4), February 15, 2005, pp 386-391

1 Risk Factors for Prolonged Disability After Whiplash Injury: A Prospective Study. Spine: Volume 30(4), February 15, 2005, pp 386-391 1 Risk Factors for Prolonged Disability After Whiplash Injury: A Prospective Study Spine: Volume 30(4), February 15, 2005, pp 386-391 Gun, Richard Townsend MB, BS; Osti, Orso Lorenzo MD, PhD; O'Riordan,

More information

Automobile Insurance Third Party Liability Bodily Injury Closed Claim Study in Ontario

Automobile Insurance Third Party Liability Bodily Injury Closed Claim Study in Ontario Automobile Insurance Third Party Liability Bodily Injury Closed Claim Study in Ontario August 13, 2014 Contents Introduction... 2 Reliances and Limitations... 2 Selected Observations... 3 Data... 5 Claim

More information

Concerning the Cap on Pain and Suffering Awards for Minor Injuries

Concerning the Cap on Pain and Suffering Awards for Minor Injuries Discussion Paper Concerning the Cap on Pain and Suffering Awards for Minor Injuries Office of the Superintendent of Insurance January, 2010 Introduction The Province of Nova Scotia regulates automobile

More information

13.12.3.1 ISSUING AGENCY: New Mexico Public Regulation Commission Insurance Division. [7/1/97; 13.12.3.1 NMAC - Rn & A, 13 NMAC 12.3.

13.12.3.1 ISSUING AGENCY: New Mexico Public Regulation Commission Insurance Division. [7/1/97; 13.12.3.1 NMAC - Rn & A, 13 NMAC 12.3. TITLE 13 CHAPTER 12 PART 3 INSURANCE MOTOR VEHICLE INSURANCE UNINSURED AND UNKNOWN MOTORISTS COVERAGE 13.12.3.1 ISSUING AGENCY: New Mexico Public Regulation Commission Insurance Division. [7/1/97; 13.12.3.1

More information

ECONOMIC ANALYSIS OF CLAIM COSTS

ECONOMIC ANALYSIS OF CLAIM COSTS ECONOMIC ANALYSIS OF CLAIM COSTS Prepared by Associated Economic Consultants Ltd. August 30, 2000 Table of Contents 1. INTRODUCTION...1 FIGURE 1...4 2. DEMOGRAPHIC AND ECONOMIC FACTORS...5 2.1 Population,

More information

Claims Analytics Case Study: BI Claims Representation

Claims Analytics Case Study: BI Claims Representation Claims Analytics Case Study: BI Claims Representation The All-Too-Familiar Trend BI Claims Costs 1 The All-Too-Familiar BI Cost Driver BI Claims Legal Representation Rate BI Claims Costs 2 3 Analyzing

More information

UNISA INJURY/ILLNESS MANAGEMENT HANDBOOK A GUIDE FOR UNISA EMPLOYEES AND THEIR MANAGERS

UNISA INJURY/ILLNESS MANAGEMENT HANDBOOK A GUIDE FOR UNISA EMPLOYEES AND THEIR MANAGERS Introduction The University of South Australia, a self insured employer under the Return to Work Act 2014 (the Act), is committed to providing a sound injury/illness management program for all employees.

More information

Work Injury Compensation Act. A Guide to the Work Injury Compensation Benefits and Claim Process

Work Injury Compensation Act. A Guide to the Work Injury Compensation Benefits and Claim Process Work Injury Compensation Act A Guide to the Work Injury Compensation Benefits and Claim Process Foreword This booklet provides a brief guide to the Work Injury Compensation Act which replaces the Workmen

More information

Personal Injury Questionnaire

Personal Injury Questionnaire Personal Injury Questionnaire Answer each question fully and accurately. Success in this case depends on mutual confidence and complete cooperation between you (as the client) and the attorney. It is imperative

More information

What you need to know about your legal rights

What you need to know about your legal rights TR_Motorcycle_Kit_06-025 KitText.qxd 13-03-13 10:15 AM Page 1 InformatIon KIt for MOTORCYCLISTS Effective: November 1, 2012 What you need to know about your legal rights Personal Injury Litigators since

More information

SOUTH CAROLINA BAR. Workers Compensation and the Law

SOUTH CAROLINA BAR. Workers Compensation and the Law SOUTH CAROLINA BAR Workers Compensation and the Law WORKERS COMPENSATION The South Carolina Workers Compensation Act provides a system for workers injured on the on the job to receive medical care and

More information

Interaction of ADA, FMLA & Workers Compensation

Interaction of ADA, FMLA & Workers Compensation Interaction of ADA, FMLA & The relationship between ADA, FMLA and Workers Compensation If an employee is a qualified individual with a disability within the meaning of the ADA, the employer must make reasonable

More information

Automobile Insurance Review

Automobile Insurance Review c C6-16 Automobile Insurance Review \.,~. '\ Report to the Honourable Andrew Petter Minister of Finance and Corporate Relations, and Minister Responsible for the Insurance Corporation of British Columbia

More information

Chapter 445. Indigent Persons Injured in Motor Vehicle Accidents 2013 EDITION. Related Laws Page 659 (2013 Edition)

Chapter 445. Indigent Persons Injured in Motor Vehicle Accidents 2013 EDITION. Related Laws Page 659 (2013 Edition) Chapter 445 2013 EDITION Indigent Persons Injured in Motor Vehicle Accidents 445.010 Definitions 445.020 Determination of indigency 445.030 Motor Vehicle Accident Fund; source; uses 445.050 Jurisdiction;

More information

Practice Resource. Retainer agreement and information. Personal injury contingent fee. Dear [client name]: Accident of [date of accident]

Practice Resource. Retainer agreement and information. Personal injury contingent fee. Dear [client name]: Accident of [date of accident] Practice Resource Retainer agreement and information Personal injury contingent fee Dear [client name]: Re: Accident of [date of accident] Thank you for asking my law firm to help you with your claim against

More information

SPECIAL REPORT TRAIN INJURY CASE Protect Your Rights: 7 Mistakes That Can Derail Your Train Injury Case

SPECIAL REPORT TRAIN INJURY CASE Protect Your Rights: 7 Mistakes That Can Derail Your Train Injury Case SPECIAL REPORT TRAIN INJURY CASE Protect Your Rights: 7 Mistakes That Can Derail Your Train Injury Case If you are employed in the train industry, you should be aware of what to do should you become injured

More information

NEW CHANGES TO AUTOMOBILE LEGISLATION

NEW CHANGES TO AUTOMOBILE LEGISLATION NEW CHANGES TO AUTOMOBILE LEGISLATION INTRODUCTION When the original insurance law reforms were brought out back in 1990 and with each subsequent change, they have been led by fanfare from the government

More information

The 2007 Rehabilitation Code

The 2007 Rehabilitation Code The 2007 Rehabilitation Code Introduction The aim of this code is to promote the use of rehabilitation and early intervention in the compensation process so that the injured person makes the best and quickest

More information

THE NEW ERA OF WORKERS COMPENSATION IN OKLAHOMA. OIPA Fall Conference 2013 Big Cedar Lodge, Missouri October 22, 2013

THE NEW ERA OF WORKERS COMPENSATION IN OKLAHOMA. OIPA Fall Conference 2013 Big Cedar Lodge, Missouri October 22, 2013 THE NEW ERA OF WORKERS COMPENSATION IN OKLAHOMA OIPA Fall Conference 2013 Big Cedar Lodge, Missouri October 22, 2013 OPENING REMARKS Gray Holden Executive Vice President and Managing Partner Willis of

More information

QUESTIONS AND ANSWERS ABOUT ILLINOIS AUTOMOBILE INSURANCE AND ACCIDENTS

QUESTIONS AND ANSWERS ABOUT ILLINOIS AUTOMOBILE INSURANCE AND ACCIDENTS QUESTIONS AND ANSWERS ABOUT ILLINOIS AUTOMOBILE INSURANCE AND ACCIDENTS What types of coverages are available? Generally, automobile insurance policies provide Bodily Injury and Property Damage Liability

More information

Common Myths Associated With Georgia Workers Compensation Claims Ty Wilson 1-866-937-5454 www.tywilsonlaw.com Special Report

Common Myths Associated With Georgia Workers Compensation Claims Ty Wilson 1-866-937-5454 www.tywilsonlaw.com Special Report Common Myths Associated With Georgia Workers Compensation Claims Ty Wilson 1-866-937-5454 www.tywilsonlaw.com Special Report COMMON MYTHS ASSOCIATED WITH GEORGIA WORKERS COMPENSATION CLAIMS Special Report

More information

OFFICE OF INSURANCE REGULATION Property and Casualty Product Review

OFFICE OF INSURANCE REGULATION Property and Casualty Product Review OFFICE OF INSURANCE REGULATION Property and Casualty Product Review NOTIFICATION OF PERSONAL INJURY PROTECTION BENEFITS YOUR PERSONAL INJURY PROTECTION RIGHTS AND BENEFITS UNDER THE FLORIDA MOTOR VEHICLE

More information

No-Fault Automobile Insurance

No-Fault Automobile Insurance No-Fault Automobile Insurance By Margaret C. Jasper, Esq. Prior to the enactment of state no-fault insurance legislation, recovery for personal injuries sustained in an automobile accident were subject

More information

PERSONAL ACCIDENT CLAIM FORM - MEMBERS

PERSONAL ACCIDENT CLAIM FORM - MEMBERS Pony Club Insurance Scheme PERSONAL ACCIDENT CLAIM FORM - MEMBERS Please read this page before completing the Claim Form Dear Member Thank you for your Claim Form request. This letter contains important

More information

Response to the Auto Insurance Working Group s Report

Response to the Auto Insurance Working Group s Report Response to the Auto Insurance Working Group s Report Department of Justice and Attorney General June 2012 Table of Contents Background... 3 Response to Auto Insurance Working Group s Recommendations:

More information

Response of Browne Jacobson LLP (Solicitors) Civil Law Reform Bill - CP53/09

Response of Browne Jacobson LLP (Solicitors) Civil Law Reform Bill - CP53/09 Response of Browne Jacobson LLP (Solicitors) - CP53/09 February 2010 Contents Contents... 2 Introduction... 3 Browne Jacobson LLP... 3 Interest in the Consultation... 3 The Response... 3 Summary... 4 Response

More information

Minnesota Professional & Medical Malpractice Law. Professional & Medical Malpractice Law

Minnesota Professional & Medical Malpractice Law. Professional & Medical Malpractice Law Minnesota Professional & Medical Malpractice Law Personal Injury Law: Professional & Medical Malpractice o Legal Malpractice Duty Breach Injury Proximate Cause o Medical Malpractice Duty Breach Injury

More information

BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS CONSENT ORDER

BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS CONSENT ORDER BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of ) State Farm Mutual Automobile ) Docket No. 3594-CO Insurance Company ) CONSENT ORDER The Kansas Insurance Department ( KID

More information

PRACTICE GUIDELINES MEMORANDUM. RE: Sample Bankruptcy Motions and Orders for Personal Injury Practitioners and Trustees

PRACTICE GUIDELINES MEMORANDUM. RE: Sample Bankruptcy Motions and Orders for Personal Injury Practitioners and Trustees PRACTICE GUIDELINES MEMORANDUM TO: FROM: Attorneys Practicing Before Me And Other Interested Persons C. Timothy Corcoran, III United States Bankruptcy Judge DATE: January 3, 2000 1 RE: Sample Bankruptcy

More information

Common Myths About Personal Injury and Wrongful Death Cases 1. By B. Keith Williams

Common Myths About Personal Injury and Wrongful Death Cases 1. By B. Keith Williams Common Myths About Personal Injury and Wrongful Death Cases 1 By B. Keith Williams There are several myths about accident cases and the attorneys that handle them. It is important to keep these myths in

More information

INSURANCE CLAIMS HANDLING & REPORTING PROTOCOL

INSURANCE CLAIMS HANDLING & REPORTING PROTOCOL INSURANCE CLAIMS HANDLING & REPORTING PROTOCOL PURPOSE: The purpose of the Protocol is to guide all affected parties, including Council, County staff, Board appointees and volunteers, in their responsibilities

More information

The unidentified vehicle is a vehicle whose driver or owner cannot be determined.

The unidentified vehicle is a vehicle whose driver or owner cannot be determined. UNIDENTIFIED MOTORIST CLAIMS IN ONTARIO AN OVERVIEW Written Materials by: Elizabeth Iwata, Associate McCague Borlack LLP Presentation by: Elizabeth Iwata Unidentified motorist claims are, at times, challenging

More information

More than you bargained for -

More than you bargained for - More than you bargained for - The effect of British Columbia s Universal Automobile Insurance on American, and other out-of-province, Insurance Policies 1. INTRODUCTION When motorists venture into the

More information

OREGON LAWS 2015 Chap. 5 CHAPTER 5

OREGON LAWS 2015 Chap. 5 CHAPTER 5 CHAPTER 5 AN ACT SB 411 Relating to personal injury protection benefits; creating new provisions; and amending ORS 742.500, 742.502, 742.504, 742.506, 742.524 and 742.544. Be It Enacted by the People of

More information

BENEFITS COMPARISON BETWEEN RAF SCHEME AND THE PROPOSED RABS

BENEFITS COMPARISON BETWEEN RAF SCHEME AND THE PROPOSED RABS BENEFITS COMPARISON BETWEEN RAF SCHEME AND THE PROPOSED RABS Difference between RAF Scheme & RABS For purposes of the comparison, the current Road Accident Fund Act, No. 56 of 1996 (as amended on 1 August

More information

Florida No-Fault Auto Insurance: A Historical Primer

Florida No-Fault Auto Insurance: A Historical Primer Florida No-Fault Auto Insurance: A Historical Primer Auto Insurance Fraud Strike Force Board Meeting Tallahassee, FL January 24, 2013 Lynne McChristian, Florida Representative Insurance Information Institute

More information

MOTOR VEHICLE COLLISION SUMMARY ADVICE FORM

MOTOR VEHICLE COLLISION SUMMARY ADVICE FORM MOTOR VEHICLE COLLISION SUMMARY ADVICE FORM Form 1.03 September 9, 2015 TO: (Name) (Address) FROM: KUBITZ & COMPANY Lawyers 1716 10 th Avenue S.W. Calgary, Alberta T3C 0J8 (City, Province, Postal Code)

More information

Long-Term Disability Insurance

Long-Term Disability Insurance Long-Term Disability Insurance Developed for the Employees of City of Colorado Springs (Employees with less than 5 years of PERA Service) (City Council Members) How This Program Protects You If you suffer

More information

U.S. Department of Labor Employment Standards Administration Wage and Hour Division Washington, D.C. 20210. Dear Name*,

U.S. Department of Labor Employment Standards Administration Wage and Hour Division Washington, D.C. 20210. Dear Name*, August 26, 2005 FLSA2005-25 Dear Name*, This is in response to your request for an opinion concerning whether insurance claims adjusters employed by your client qualify for the administrative exemption

More information

The Employers Guide to. Pennsylvania s Workers Compensation Law

The Employers Guide to. Pennsylvania s Workers Compensation Law The Employers Guide to Pennsylvania s Workers Compensation Law Table of Contents About this Guide. 3 The Pennsylvania Workers Compensation Act: An Overview for the Pennsylvania Employer....4 Your Duties

More information

AUTOMOBILE INSURANCE: THE MINNESOTA NO-FAULT AUTOMOBILE INSURANCE LAW

AUTOMOBILE INSURANCE: THE MINNESOTA NO-FAULT AUTOMOBILE INSURANCE LAW This document is made available electronically by the Minnesota Legislative Reference Library as part of an ongoing digital archiving project. http://www.leg.state.mn.us/lrl/lrl.asp.~l' ''''d:.,j i.;'~\;

More information

Short-Term Disability Insurance

Short-Term Disability Insurance Short-Term Disability Insurance Developed for the class 1 Employees of Research Triangle Institute Protecting Your Family Securing Your Future As long as you've got your health. If you're physically healthy,

More information

Claim Estimates and WorkSafe Premiums

Claim Estimates and WorkSafe Premiums Claim Estimates and WorkSafe Premiums Introduction For employers with annual rateable remuneration of over $200,000 premiums for WorkSafe insurance are calculated taking into account their claims performance

More information

BODY STRESSING INJURIES. Key messages for rehabilitation providers

BODY STRESSING INJURIES. Key messages for rehabilitation providers BODY STRESSING INJURIES Key messages for rehabilitation providers CONTENTS BACKGROUND 4 DELAYS IN PROVIDING REHABILITATION OR RETURN TO WORK ASSISTANCE TO EMPLOYEES INJURED AT WORK 6 DELAYS IN LODGING

More information

BODY STRESSING INJURIES. Key messages for rehabilitation providers

BODY STRESSING INJURIES. Key messages for rehabilitation providers BODY STRESSING INJURIES Key messages for rehabilitation providers CONTENTS BACKGROUND 4 DELAYS IN PROVIDING REHABILITATION OR RETURN TO WORK ASSISTANCE TO EMPLOYEES INJURED AT WORK 6 DELAYS IN LODGING

More information

TERRENCE and Marie Domin, Plaintiffs, v. SHELBY INSURANCE COMPANY, a foreign corporation, Defendant.

TERRENCE and Marie Domin, Plaintiffs, v. SHELBY INSURANCE COMPANY, a foreign corporation, Defendant. Circuit Court of Illinois. County Department Chancery Division Cook County TERRENCE and Marie Domin, Plaintiffs, v. SHELBY INSURANCE COMPANY, a foreign corporation, Defendant. No. 00CH08224. 2008. Answer

More information

A Layman's Guide To ICBC Part 7 Benefits

A Layman's Guide To ICBC Part 7 Benefits A Layman's Guide To ICBC Part 7 Benefits Prepared for MADD Revised January 2015 This guide was initially prepared in February, 2005 at the request of MADD to provide a layman's guide to ICBC No-fault/Part

More information

Disability claim form

Disability claim form Disability claim form Initial assessment The Anglican Church of Canada In order to ensure confidentiality of personal information, The Pension Office Corporation, Managed Disability Resources, Inc. and

More information

Road to Recovery Rehabilitation following a motor vehicle accident

Road to Recovery Rehabilitation following a motor vehicle accident Road to Recovery Rehabilitation following a motor vehicle accident If you have been injured in a motor vehicle accident, rehabilitation may help you recover and move on with your life. Queensland Compulsory

More information

Accident/Illness Claim

Accident/Illness Claim QBE INSURANCE (AUSTRALIA) LIMITED ABN 78 003 191 035 Accident/Illness Claim The issue of this form does not constitute an admission of liability on the part of the insurer. Please complete all sections

More information

New Hire Notice -- Injuries Caused By Work

New Hire Notice -- Injuries Caused By Work New Hire Notice -- Injuries Caused By Work What does workers compensation cover? You may be entitled to workers' compensation benefits if you are injured or become ill because of your job. Workers' compensation

More information

Our Personal Injury Guidebook

Our Personal Injury Guidebook Our Personal Injury Guidebook Partnering with you on your road to recovery 2 Table of Contents Injured? You Must Take the Following Steps........... 3 Our Promise to Our Clients.................... 4 At

More information

Liquor. (Occurrence Form)

Liquor. (Occurrence Form) Liquor LIABILITY INSURANCE POLICY (Occurrence Form) 95A Turnpike Road Westborough, MA 01581 (508) 366-1140 THIS POLICY JACKET WITH THE Liquor LIABILITY POLICY FORM, DECLARATIONS PAGE AND ENDORSEMENTS,

More information

My name is Steven Lehmann. I am a Principal with Pinnacle Actuarial Resources, Inc., an actuarial consulting

My name is Steven Lehmann. I am a Principal with Pinnacle Actuarial Resources, Inc., an actuarial consulting Insurer Use of Education and Occupation Data National Conference of Insurance Legislators Special Property-Casualty Insurance Meeting February 28, 2009 My name is Steven Lehmann. I am a Principal with

More information

NORTH DAKOTA PERSONAL INJURY PROTECTION ENDORSEMENT

NORTH DAKOTA PERSONAL INJURY PROTECTION ENDORSEMENT COMMERCIAL AUTO CA 22 34 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NORTH DAKOTA PERSONAL INJURY PROTECTION ENDORSEMENT For a covered "auto" licensed or principally garaged in,

More information

AIG no longer issues cheques. To confirm transfer of funds, an auto email will be sent to your broker or direct Email: Broker/Payee

AIG no longer issues cheques. To confirm transfer of funds, an auto email will be sent to your broker or direct Email: Broker/Payee Personal Accident or Sickness Scheme (Individual or Group) Claim Form Please print out for signatures and post original to your broker if applicable or direct to AIG, PO Box 1745, Shortland Auckland, 1140

More information

in line with the worker s capacity for work meaningful provided for the purpose of increasing a worker s capacity for work.

in line with the worker s capacity for work meaningful provided for the purpose of increasing a worker s capacity for work. 1 Questions and answers for employers 17 October 2012 Return to work 1. What are employers return to work obligations? Employers have an obligation to provide suitable employment (where reasonably practicable)

More information

LTD (Long Term Disability Plan)

LTD (Long Term Disability Plan) 1 LTD (Long Term Disability Plan) 2.1 Eligibility (a) (1) Regular full-time employees shall be covered by the Long Term Disability Plan upon completion of six months active employment with the Employer.

More information

IN THE SUPREME COURT OF BRITISH COLUMBIA DOROTHY YOUNG SHELL CANADA LIMITED. Brought under the Class Proceedings Act, R.S.B.C. 1996, c.

IN THE SUPREME COURT OF BRITISH COLUMBIA DOROTHY YOUNG SHELL CANADA LIMITED. Brought under the Class Proceedings Act, R.S.B.C. 1996, c. IN THE SUPREME COURT OF BRITISH COLUMBIA No. L021060 Vancouver Registry Between: And: DOROTHY YOUNG SHELL CANADA LIMITED Brought under the Class Proceedings Act, R.S.B.C. 1996, c. 50 Plaintiff Defendant

More information

Consumer Legal Guide. Your Guide to Automobile Insurance and Accidents

Consumer Legal Guide. Your Guide to Automobile Insurance and Accidents Consumer Legal Guide Your Guide to Automobile Insurance and Accidents WHAT TYPES OF COVERAGES ARE AVAILABLE? Generally, automobile insurance policies provide Bodily Injury and Property Damage Liability

More information

Accidents Happen. Recover with Dye & Russell INFORMATION FOR ACCIDENT VICTIMS AND THEIR FAMILIES DYE & RUSSELL. Personal Injury Lawyers

Accidents Happen. Recover with Dye & Russell INFORMATION FOR ACCIDENT VICTIMS AND THEIR FAMILIES DYE & RUSSELL. Personal Injury Lawyers Accidents Happen Recover with Dye & Russell INFORMATION FOR ACCIDENT VICTIMS AND THEIR FAMILIES DR DYE & RUSSELL Personal Injury Lawyers ACCIDENTS HAPPEN Recover with Dye & Russell At Dye & Russell, we

More information

Cross Border. Are You Ready to Do Business in the US?

Cross Border. Are You Ready to Do Business in the US? Cross Border Are You Ready to Do Business in the US? Failure to carry workers compensation insurance or to otherwise meet a state s regulations can result in the employer becoming liable for the employee

More information

Changing Tort Reform In Kentucky Christel Siglock. By changing its current No-Fault and Tort law options, Kentucky could; 1) Reduce the

Changing Tort Reform In Kentucky Christel Siglock. By changing its current No-Fault and Tort law options, Kentucky could; 1) Reduce the Changing Tort Reform In Kentucky Christel Siglock By changing its current No-Fault and Tort law options, Kentucky could; 1) Reduce the number of lawsuits filed, 2) Thus reducing insurance company payouts

More information

WORKERS COMPENSATION GLOSSARY

WORKERS COMPENSATION GLOSSARY WORKERS COMPENSATION GLOSSARY ACCIDENT An unplanned and unexpected event which occurs suddenly and at a definite place resulting in injury and/or damage. ACCIDENT FREQUENCY The rate of the occurrence of

More information

PERSONAL INJURY INSURANCE CLAIM FORM. Basketball SA

PERSONAL INJURY INSURANCE CLAIM FORM. Basketball SA PERSONAL INJURY INSURANCE CLAIM FORM Basketball SA SPORTS PERSONAL ACCIDENT CLAIM FORM Dear Soccer NSW Futsal Member 1 Dear Basketball member, Please find attached a claim form. Before lodging this form,

More information

Chicago Public Schools Short Term Disability Plan Plan Effective Date: January 1, 2012

Chicago Public Schools Short Term Disability Plan Plan Effective Date: January 1, 2012 Chicago Public Schools Short Term Disability Plan Plan Effective Date: January 1, 2012 CPS Short-term Disability Plan rev. 02-25-2013 Page 1 TABLE OF CONTENTS PAGE Introduction...3 General Definitions...4

More information

Uninsured Motorist and Underinsured Motorist Coverage. Gary Kramer J. Scott Sanpietro James R. Potts

Uninsured Motorist and Underinsured Motorist Coverage. Gary Kramer J. Scott Sanpietro James R. Potts Uninsured Motorist and Underinsured Motorist Coverage Gary Kramer J. Scott Sanpietro James R. Potts focus on: Uninsured Motorist and Underinsured Motorist Coverage 1 By Gary Kramer, J. Scott Sanpietro,

More information

Accident Benefits A TIME FOR CHANGE. BC Coalition of People with Disabilities. prepared by Claire Walsh

Accident Benefits A TIME FOR CHANGE. BC Coalition of People with Disabilities. prepared by Claire Walsh 7 Part Accident Benefits A TIME FOR CHANGE BC Coalition of People with Disabilities prepared by Claire Walsh September 2007 PAGE 2 BC COALITION OF PEOPLE WITH DISABILITIES ACKNOWLEDGMENTS The BC Coalition

More information

SA CTP PERSONAL INJURY CLAIM INFORMATION

SA CTP PERSONAL INJURY CLAIM INFORMATION SA CTP PERSONAL INJURY CLAIM INFORMATION Contents Introduction 3 How long do I have to make a claim? 3 Can I make a claim? 3 Who else might be involved in your claim? 3 What can I claim for? 4 How do I

More information

Accident/Illness Claim

Accident/Illness Claim QBE INSURANCE (AUSTRALIA) LIMITED ABN 78 003 191 035 Accident/Illness Claim The issue of this form does not constitute an admission of liability on the part of the insurer. Please complete all sections.

More information

Voluntary Short-Term Disability Insurance

Voluntary Short-Term Disability Insurance Voluntary Short-Term Disability Insurance 817763 a 06/12 Developed for the Employees of Marion County - Oregon Protecting Your Family Securing Your Future As long as you've got your health. If you're physically

More information

C14 Automobile Insurance Part 1 (British Columbia) Addendum February 2010 Revised

C14 Automobile Insurance Part 1 (British Columbia) Addendum February 2010 Revised C14 Automobile Insurance Part 1 (British Columbia) Addendum February 2010 Revised (To be used with 2008 edition of the textbook.) Study 2, page 2 Inverse liability coverage has been added to the Contents

More information

D R A F T. LC 117 2016 Regular Session 1/19/16 (TSB/ps)

D R A F T. LC 117 2016 Regular Session 1/19/16 (TSB/ps) LC 0 Regular Session // (TSB/ps) D R A F T SUMMARY Provides that insurer that has duty to defend insured against claim has fiduciary duty toward insured if insurer does defend against claim. Provides that

More information