Source: CanLII – March 10, 2025 update (online: https://www.canlii.org/en/on/onlat/)

Out of 10,158 decisions of the LAT¹ published in CanLII, 6,704 are related to disputes of Auto Insurer’s Denials of Claims under s. 280 of the Insurance Act.

The LAT decisions published in CanLII are a subset of the ongoing insurance companies’ denials to pay the health claims benefits intended by law to help the people injured by auto accidents receive the medical and rehabilitation needed to get them back to the normal life they had before the accident.

The level of insurers’ claim denials reported in CanLII supports the increasing public issue of auto accident victims not getting well from their injuries due to insurers’ denials of claims resulting in aggravation of injuries sustained from the accident, an outcome not intended by the law.

Top 5 Insurers with the highest disputes over insurer’s denials of insurance claims

A LAT decision is about a person disputing an insurance company’s denial of health benefit claim(s).

• A health benefit claim (auto insurance claim) arises when a person suffers injury from an auto accident.
• By law, the public is required to pay for an auto insurance policy. Under the regulation in Ontario (SABS²), insurance companies are “liable to pay“³ a person who suffers injury from an auto accident and claims the insurance policy health benefits.

A person brings a dispute at the LAT when the insurance company denies the health benefit claim to pay for the medical and rehabilitation expenses to help the (injured) person get back to normal function before the auto accident.

A LAT decision infers that an insurance company denied an injured person to receive the medical and rehabilitation services that would help the person get back to normal function.

1. Tribunals Ontario – Licence Appeal Tribunal ↩︎
2. Statutory Accident Benefits Schedule ↩︎
3. Section 14 of the SABS ↩︎