Many insurers reject requests - will yours?

An Ontario Legislature committee will hold public hearings on car insurance - something is wrong when 42 per cent of treatment plans are rejected, says MPP Rosario Marchese.

Suppose you're driving your car with three passengers and you hit a deer. No one is hurt, except the animal.

Your insurance company quickly pays $24,000 to cover repairs to your damaged car. It's happy to protect you from financial harm after an accident.

Now suppose you and your passengers are all injured after hitting the deer. This time, the insurance company is slower to respond.

It may turn down your requests to be repaid for rehabilitation treatments not covered by the health care system (such as physiotherapy or psychological counselling). It may treat you as fakers, exaggerating your injuries.