Do you know what your premiums pay for?

#1. Which of these scenarios was an actual instance of an insurer denying benefits?

An injured person was unable to walk but his insurer cut off his income replacement benefits.

After a car backed up and hit an elderly man, who passed away, funeral expenses were denied.

An driver’s own insurer denied payment of additional coverage after he was injured, claiming wrongly that he was out of time.

A driver’s income replacement benefits were denied even though several medical assessments confirmed that the driver couldn’t work

All of the above

The correct answer is All of the above

#2. If a case is won at trial, was is the amount of the secret deductible applied against an award for pain and suffering?

None

$1,000

$5,000

$7,500

$39,754

The correct answer is $39,754

#3. Why is unfair to have a jury decide an award in personal injury cases?

Jurors don’t have common sense.

Jurors are not allowed to know that the lawsuit is actually against an insurer.

Jurors are not allowed to know that there is a deductible that applies against the award they give to the injured person.

2 and 3

1 and 2

The correct answer is 2 and 3

#4. What Types of Optional Auto Insurance Benefits Are Available to add to a policy?

Increasing the income replacement benefit to $600 per week.

Increasing medical and rehabilitation benefits to up to $130,000 over 5 years.

Housekeeping benefits up to $100 per week.

Doubling catastrophic coverage to $2,000,000 for medical, rehabilitation, and attendant care benefits.

All of the above

The correct answer is All of the above

#5. How Many Times Were Auto Insurance Benefits Cut in Ontario from 2010 to 2018?

6

10

12

17

19

The correct answer is 17

#6. How much do Ontario drivers pay annually for their premiums (as of 2019)?

$717, the lowest in Canada.

$1,832, the highest in Canada.

$1,316, the third-highest in Canada.

$1,505, the second-highest in Canada.

$1,235, the fourth-highest in Canada.

The correct answer is $1,505, the second-highest in Canada

#7. On average, how much have premiums increased in Ontario between 2017 and 2019?

5%

10%

15%

20%

25%

The correct answer is 20%