A traffic accident that claimed one man’s ability to play an instrument is one reason why there shouldn’t be a cap on insurance claims for injuries.
That’s according to a caller on VOCM Open Line with Paddy Daly this morning.
The insurance industry wants a cap on soft-tissue injury claims but injury lawyers say a cap is not the way to go.
The Public Utilities Board is conducting public hearings as part of government’s ongoing review of automobile insurance in the province in the wake of increased rates and the large number of people who are continuing to drive the roads with no insurance.
John O’Leary is arguing against a cap. He was in a car accident ten years ago, breaking his left wrist and fingers and the fingers on his right hand, as well as suffering injuries to his back.
He played violin most of his life, something that brought him great pleasure even though he wasn’t an accomplished musician, but the accident changed everything. He says he no longer has the strength in his little finger to play.
He says the insurance helped tremendously with the medical expenses and the psychological issues that he never anticipated.
Public hearings continue.
CUPE’s submission last week suggested a public system is the way to go, while Intact Insurance presented an eight-point plan that included a $5,000 dollar minor injury cap including sprains, strains and whiplash. The company also suggested timely repairs to vehicles, market-based rate regulation and stabilization of premiums through a risk sharing pool.