The Lucknow Sentinel, 1990-06-27, Page 12Pa4ge r
sibaidayi June
The OMPP.
Good news for good drivers.
Ontario has a new, .comprehensive auto
insurance system, called the Ontario Motorist
',Protection Plan.
The OMPP puts the brakes on increases in
6 your insurance rates. It speeds up payment of
'Improved benefits, and extends coverage, to some
people not previously covered. Most claims
will be settled without lawsuits. However,
you still have the right to sue if you are
seriously injured. = .
The new plan ismore than: insurance reform.
It will lower costs by improving highway safety
and reducing accidents. Because, in the end,
safe driving is a good way to keep costs down
and prevent injuries:.
THE GOOD :NEWS:
In recent years, caps have kept insurance rates.
in Ontario artificially low, while cost pressures
have continued to mount. Bodily, injury claims,,
for example, totalled about $1.8 billion in 1988.
Without the Ontario MotoristProtection Plan,.
insurance companies would require premium
increases of 30-35 % this year. The OMPP will
hold premium increases this year to only'8 % on
average in urban areas, while average rates
in rural areas will not increase at all.
The OMPP works to keep automobile_
insurance affordable.
HOW DOES THE ONTARIO MOTORIST
PROIECI1ON PLAN WORK?
Your insurance policy will automatically be-
converted to the new system by your insurance
company;
Under the OMPP, virtually all your dealings
will be with your own insurance company.
Guaranteedincome benefits will be paid to people
injured in an, accident, regardless of fault. These
are payments to cover income, medical bills,.
death benefits and child care. For the first time,
students, retirees and homemakers are covered.
Compensation will be paid by your insurance
company quickly after your claim is filed.
Should your vehicle be damaged, your,
insurance company will pay to repair it if you
are not at fault. You can continue to buy optional
collision coverage to cover your vehicle if you
are at fault.
To make the system fairer, your insurance
premiums will be based on the cost of repairing
your own car - not the cost of the "average" car
on the road. Someone with a car that is expensive
,to repair can expect higher insurance rates.
THE MD NEWS FOR BAD DRIVERS.
Paying benefits regardless of fault does not mean.
bad drivers go unpunished.
Fault continues to be used for rating purposes.
Those with good records are rewarded with
preferred rates. Those whocause accidents are
charged higher premiums.
Motorists causing accidents resulting in death
or serious permanent injury are still liable to be
sued for .unlimited damages;
As part of the OMPP, over 100 additional
Ontario Provincial Police will patrol our highways.
Traffic fines have been more than doubled.
NOW WHAT?
The Ontario Motorist Protection Plan balances the
need for affordable rrates*with the requirement.
for comprehensive protection. Compensation is
there without the need to go to court. The
premium dollar goes to help those who need it,
Most - the injured victims.
Your insurance broker or agenthas all, the
details about,the Ontario Motorist Protection Plan.
And you will receive aninforinationbrochurewith
yourpremium notice.
Government
of Ontario
The Ontario Motorist
Protection
Everyone's Protected:.
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