Some Ontarians think they're paying more for insurance and getting less coverage.

We agree that Ontario auto insurance premiums are too high. There have also been some changes to coverage. Why is this? Let’s consider that between 2004 and 2010, the cost of accident benefit payouts in Ontario rose about 180%, mainly because the costs of assessing, not treating, an injury, rose 235% during the same period. During the same six years, premiums rose, on average, only 5.6%. Yet despite the huge increase in accident benefit injury claims, Ontario roads are safer with a 12% reduction in severe collisions that require hospitalization.

So where is all the claims money going? Sadly, there are many medical rehabilitation clinics, lawyers and paralegals, tow truck operators and body shops that make their money from Ontario’s generous auto insurance system. They believe that if the money is there, they should use it regardless of specific needs.

To stop insurance rates from increasing, reforms were made to the cap on minor injuries and the definition of catastrophic impairment. Simply put, you’re paying more for insurance and getting specifically defined coverage.

Click here for an in-depth explanation on why auto insurance rates are so high.