TD Home and Auto Insurance Rant.

D

Delboy

Well-known member
TD really suck. Never go there

I was stopped at a light after getting off the 407 and was rear ended by a gravel truck. This was last November

I broke my Arm, Wrist and Leg and had to be cut out of the car.

The truck driver and the company were both charged with a bunch of stuff including DUI and operation of an unsafe motor vehicle. The OPP said I did nothing wrong

TD really low balled me on the value of the car and refused to pay any rehab costs as they considered this a minor accident and with a minor accident you have three months to claim for rehab, not withstanding that I had casts on my arm and leg for 3 months and couldn’t do rehab.

Anyway, I’m $25k in the hole to replace my car and so far have spent about $18k on rehab that TD refuse to pay and my arm is still not right.

To add insult to injury I get my renewal today and for 2 cars its jumped from $2400 to $5800. When I call they told me that it’s nothing to do with the accident, it’s just that insurance rates up across the board.

Bull ****……

Sorry, I just had to let it out
 
I feel for you man.

Insurance should be a good thing. Its supposed to help out in times of need but the more I hear about Ontario companies and the regulatory body the more I'm reminded of Great Benefit in the film "The Rainmaker"..........

Is that a complete Great Benefit claims manual, sir?

- Yes.

Does it have a section U?

- It has a section U.

Let's talk about this mysterious section U. Let's explain it to the jury. Just read paragraph three.

- "Claim handlers are directed to deny all claims within three days."

How would you explain this?

- Well sometimes we get frivolous and fraudulent claims in our business. Sometimes we use this language to focus on the more needy claims.

Do you honestly expect this court to believe that explanation?

- This chapter merely denotes in-house processing guidelines.

In-house processing guidelines? No, section U does more than that.

- I don't think it does that.

It explains how you re-route claims. Anything to avoid payment.

- I admit nothing. :)
 
PhatBastard said:
get yourself a lawyer. it is the only way to get your benefits
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What he said. The comment about 3 months to claim rehab is horse crap. You have 10 years. Breaking limbs is not a minor injury. You have access to $50,000.00 for medical and rehab benefits. This does not include lost wages, attendant care or other benefits you maybe entitled to. I'd also get a move on for a tort action. It sounds like you have a real case. I can recommend some good lawyers if you want. I would also say you probably have a good case for bad faith, which in itself can carry some serious reprocussions for the insurance company. PM me if you want more info.
 
I don't work in Claims, but I agree -- it sounds like you are being screwed.

As for the huge rate increase, I highly doubt that it's due to changing rates, but more likely because they are considering you partially at fault in the collision (which is wrong given the circumstance as you described it). I would inquire further and ask them what your Driving Record is (i.e. the number of years at-fault collision free). You should be able to find this information on your renewal document. If you want, you can blacken out the personal information on your renewal and post it here and I will have a look.

If I were you, I would be getting representation for the claim.

Good luck!
 
The the rehab...your work insurance is suppose to pick that up first, then auto insurance no?
 
frekeyguy said:
The the rehab...your work insurance is suppose to pick that up first, then auto insurance no?
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Why would your work insurance pick up rehab? Also, if that's the insurance that I am thinking about, my 'regular' physio insurance is $1000/yr, which is peanuts compared to what the OP spent.
 
frekeyguy said:
The the rehab...your work insurance is suppose to pick that up first, then auto insurance no?
Click to expand...

You are correct sir. Your automotive policy is secondary to any extended health benefits you might have. This also includes any services provided by OHIP. Now in certain circumstances the insurer can choose to approve a treatment plan for a third party clinic to provide a service. (IE a MRI)

The reason auto insurers do this is to cut down on costs.
 
I'm a bit confused... wouldn't it not be TD but the truck driver's or trucking company's insurance that's refusing to pay since OP is not at fault?
 
I recommend representation. (I normally don't)
 
You would think that with the insane prices Ontario insurers charge, they would payout a fair sum of money if one of their client's were in an accident.

Apparently not... This just sounds perfect, I'm with TD and now I know that if I'm in any sort of accident with 0% fault my rates will increase astronomically (if that's even possible considering how ******** they are anyway) and I will be left with none of the coverage that I am paying for.
 
I'm also with TD and looking to replace them with another insurer...

I just picked up a 2012 Hyundai Elantra Touring (station wagon!) and the insurance is MORE (wtf!?) than my 2010 Hyundai Genesis Coupe 3.8...it's ridiculous! Their excuse is 'it's a statistic' so I asked give me the reason...what is it? No accident in 10 years, no ticket within 3 years...going from a coupe to a wagon...I can't believe it...and now if I cancel after 5+ years of continuous insurance they want $157 as a cancellation fee...bullcrap...unfortunately SF wants $300/month for the Elantra but they were happy my CBR250R would go down a few bucks a month lol!? wtf...oh ya...I live in Toronto, 32m...insurance is disgusting at times.

So if there are any brokers here that would like to provide a quote please let me know and I'll send you the details.
 
EC2010 said:
I'm a bit confused... wouldn't it not be TD but the truck driver's or trucking company's insurance that's refusing to pay since OP is not at fault?
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In the backround the trucking company will. It's called "Loss transfer" and this situation applies with something big hits something small and the something big is at fault (there's a weight cut off) The something small (passenger vehicle) insurance company will pay the first $2,000.00 and the trucking company pays everything else. However; the passenger vehicle or motorcycle (in this case) is still limited to the policy limits of $50,000.00.

Loss transfer does not apply to when a passenger vehicle strikes a motorcycle. It's when a commercial vehicle strikes a passenger vehicle. Loss transfer does not apply when a transit vehicle strikes a passenger vehicle. This is on the basis that insurance companies should not be subrogating against public transit.
 
So I ended up getting representation. I had to come home and shower after meeting with the guys :)

The TD Ombudsman and FSCO have both told me that broken bones are now classified as minior injuries.

Just out of interest, I had my next door neighbour call TD for a quote on the same 2 identical vehicles I drive as he was, ahem, thinking of changing his. He is younger than me be about 5 years and they quoted him $2200 and change for the year. It just pisses me off that the goverment mandates insurance but fails to deal with this price fixing that is bordering on extortion.
 
Delboy said:
So I ended up getting representation. I had to come home and shower after meeting with the guys :)

The TD Ombudsman and FSCO have both told me that broken bones are now classified as minior injuries.

Just out of interest, I had my next door neighbour call TD for a quote on the same 2 identical vehicles I drive as he was, ahem, thinking of changing his. He is younger than me be about 5 years and they quoted him $2200 and change for the year. It just pisses me off that the goverment mandates insurance but fails to deal with this price fixing that is bordering on extortion.
Click to expand...

Soo... What is classified as a major injury then? Loss of limbs or death (then again... you're not really injured if you're dead)? T.T
 
Delboy said:
So I ended up getting representation. I had to come home and shower after meeting with the guys :)

The TD Ombudsman and FSCO have both told me that broken bones are now classified as minior injuries.

Just out of interest, I had my next door neighbour call TD for a quote on the same 2 identical vehicles I drive as he was, ahem, thinking of changing his. He is younger than me be about 5 years and they quoted him $2200 and change for the year. It just pisses me off that the goverment mandates insurance but fails to deal with this price fixing that is bordering on extortion.
Click to expand...

I'd like to see the FSCO decisions that justify this. Under the new SABS definitation:
“minor injury” means a sprain, strain, whiplash associated disorder, contusion, abrasion, laceration or subluxation and any clinically associated sequelae;

There is nothing under E-laws about revisions to the new SABS
 
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