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adr-sml/docs/reference/ontario-sabs-lat.md
T
Pouya LajevardiandClaude Opus 5 6aaf089b05 feat: rule Q62 by stating the truth; strike the /med-arb/ gloss; re-stamp R18 
Pouya's four rulings of 2026-09-01, applied 2026-09-02.

Q62 — RULED "state the truth", not "remove the access". /legal/privacy/
now says two people can read the intake table, names their role, and adds
the two stronger facts the false sentence had crowded out: the handler
role holds PutItem only, and adr-sml-deploy is implicitDeny on all seven
read and write actions. Wording is subject to Pouya's read-through —
Q63(a), with a TODO(pouya) beside the copy.

The ruling named one sentence; a vocabulary sweep found the falsehood in
three places, and the audit then found two more. Five paragraphs now
answer "who can see it" and change together.

The tripwire stays permanently, per ruling, and grew from two
alternatives to five. Every alternative is one string that reached dist/.
Proven both ways against the pre-correction page rebuilt from bd282aa:
exit 1 with 5 matches at dist/legal/privacy/index.html:54,67,67,68,72;
exit 0 on the corrected page, self-test 12 patterns / 36 approved
strings.

/med-arb/ — the gloss is struck with no replacement, per ruling. The
strike left "the section above" pointing at the ADRIC rule set and "the
agreement" with no antecedent; both fixed. The bare designations line
sitting under ADRIC's quoted competence requirement is also struck, which
goes beyond the ruling and is flagged for Pouya.

R18 — re-stamped, two-tier: (a)(c)(d) re-verified against a source,
(b)(e)(f)(g) held on a cadence judgement. All seven hold, no shipped
sentence changed. R18's trigger had NO cutover checklist item and had
stamped five extracts of seven; both fixed. Candidate limb (h) flagged.

R10 — fired and unsatisfied; left open on instruction.

The evidence behind the new privacy sentence was weaker than the
sentence. Re-measured: 33 of 33 roles simulated (23 of 26 carried inline
policies nobody had read; the two CDK lookup roles can read the table),
four trust policies, the CloudFormation escalation path for all five
users, 0 federated providers, root recorded. Every read path terminates
at the same two people.

Two review rounds, 36 findings. 35 fixed, 1 declined. Five of round 2's
were defects in round 1's own fixes; stopped at two per D19.

Co-Authored-By: Claude Opus 5 (1M context) <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_01Md3GndFqWPzK78xAoebsg5
2026-09-02 07:59:50 -04:00

427 lines
52 KiB
Markdown
Raw Blame History

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# Ontario SABS and the Licence Appeal Tribunal — the regulation, the MIG, the forum, and published caseload
Committed under AGENTS.md R14 and the CLAUDE.md rule it encodes: **anything a
spec makes a claim about must be reachable from the repository.** Every fact
the six `/practice/*` pages state about the world is checkable here or it is
not published.
**Retrieved 2026-08-29.** Fetched from the primary sources listed below and
extracted with quotations pasted verbatim. This file is the artefact; the pages
cite it. Do not paraphrase a fact into a page that is not stated here.
> ⚠️ **A statute, a regulation and a tribunal page all move.** Every consolidation
> date and effective date below is as at the retrieval date and nothing more.
> Re-check before cutover, and before any republish that turns on one of them.
> ### R18 re-check — cutover pass, 2026-09-01
>
> The trigger fired. `AGENTS.md` §12 R18 holds the per-limb findings and
> the sources; this stamp does not restate them. **The quoted bytes below
> are still the original retrieval and were not re-fetched** — what was
> re-checked is whether the *facts* they support have moved.
>
> - **(d) the Tribunals Ontario annual report — RE-VERIFIED UNMOVED**
> `[re-checked 2026-09-01 — Pouya,
> <https://tribunalsontario.ca/en/about/governance-and-accountability/>]`.
> **No 2025-26 report is published; FY2024-25 remains current**, so the
> figures `/practice/insurance/` publishes are still the latest. This closes
> the open item at the foot of this file, which asked exactly that question.
> - **(e) the SABS, amended with effect 2026-07-01 — NOT RE-RETRIEVED.** Held
> unchanged on a cadence judgement `[assumed 2026-09-01 — Pouya]`.
**Topic as researched:** Ontario accident benefits (SABS) disputes — regulation, Minor Injury Guideline, the LAT-AABS dispute route, tribunal caseload volume, mediation references in tribunal materials, and FSRA's role
---
## Sources
| Kind | Source | URL |
|---|---|---|
| regulation | O. Reg. 34/10: STATUTORY ACCIDENT BENEFITS SCHEDULE - EFFECTIVE SEPTEMBER 1, 2010 — Ontario e-Laws | <https://www.ontario.ca/laws/regulation/100034> |
| statute | Insurance Act, R.S.O. 1990, c. I.8 — Ontario e-Laws | <https://www.ontario.ca/laws/statute/90i08> |
| statute | Licence Appeal Tribunal Act, 1999, S.O. 1999, c. 12, Sched. G — Ontario e-Laws | <https://www.ontario.ca/laws/statute/99l12> |
| tribunal | Licence Appeal Tribunal - Automobile Accident Benefits Service (LAT-AABS) — Tribunals Ontario | <https://tribunalsontario.ca/lat-aabs/> |
| tribunal | Laws, rules and decisions — LAT-AABS, Tribunals Ontario | <https://tribunalsontario.ca/lat-aabs/laws-rules-and-decisions/> |
| tribunal | Application and hearing process — LAT-AABS, Tribunals Ontario | <https://tribunalsontario.ca/lat-aabs/application-and-hearing-process/> |
| tribunal | Tribunals Ontario 2024-25 Annual Report | <https://tribunalsontario.ca/documents/TO/Tribunals_Ontario_2024-2025_Annual_Report.html> |
| tribunal | Licence Appeal Tribunal Rules (2025 consolidation) — Tribunals Ontario | <https://tribunalsontario.ca/documents/lat/LAT-Rules_2025.html> |
| statute | Financial Services Regulatory Authority of Ontario Act, 2016, S.O. 2016, c. 37, Sched. 8 — Ontario e-Laws | <https://www.ontario.ca/laws/statute/16f37> |
---
## Verbatim quotations
### O. Reg. 34/10: STATUTORY ACCIDENT BENEFITS SCHEDULE - EFFECTIVE SEPTEMBER 1, 2010 — Ontario e-Laws
<https://www.ontario.ca/laws/regulation/100034> — retrieved 2026-08-29
> O. Reg. 34/10: STATUTORY ACCIDENT BENEFITS SCHEDULE - EFFECTIVE SEPTEMBER 1, 2010
> <meta property="og:actTitle" content="Insurance Act" />
> ONTARIO REGULATION 34/10
> Consolidation Period: From July 1, 2026 to the e-Laws currency date.
> Last amendment: 58/25.
> Definitions and interpretation
> 3. (1) In this Regulation,
> “minor injury” means one or more of a sprain, strain, whiplash associated disorder, contusion, abrasion, laceration or subluxation and includes any clinically associated sequelae to such an injury; (“blessure légère”)
> “Minor Injury Guideline” means a guideline, (a) that is issued by the Chief Executive Officer under subsection 268.3 (1.1) of the Act and published in The Ontario Gazette, and (b) that establishes a treatment framework in respect of one or more minor injuries; (“Directive sur les blessures légères”)
> “Guideline” means, (a) a guideline, including the Minor Injury Guideline, issued by the Chief Executive Officer under subsection 268.3 (1) of the Act and published in The Ontario Gazette,
> Monetary limits re medical and rehabilitation benefits
> 18. (1) The sum of the medical and rehabilitation benefits payable in respect of an insured person who sustains an impairment that is predominantly a minor injury shall not exceed $3,500 plus the amount of any applicable harmonized sales tax payable under Part IX of the Excise Tax Act (Canada) for accidents that occur on or after June 3, 2019 for any one accident, less the sum of all amounts paid in respect of the insured person in accordance with the Minor Injury Guideline. O. Reg. 34/10, s. 18 (1); O. Reg. 123/19, s. 2 (1).
> (2) Despite subsection (1), the limit in that subsection does not apply to an insured person if his or her health practitioner determines and provides compelling evidence that the insured person has a pre-existing medical condition that was documented by a health practitioner before the accident and that will prevent the insured person from achieving maximal recovery from the minor injury if the insured person is subject to the limit or is limited to the goods and services authorized under the Minor Injury Guideline. O. Reg. 34/10, s. 18 (2); O. Reg. 347/13, s. 1; O. Reg. 123/19, s. 2 (2).
> (3) The sum of the medical, rehabilitation and attendant care benefits paid in respect of an insured person who is not subject to the financial limit in subsection (1) shall not exceed, for any one accident, (a) $65,000 plus the amount of any applicable harmonized sales tax payable under Part IX of the Excise Tax Act (Canada) for accidents that occur on or after June 3, 2019; or (b) if the insured person sustained a catastrophic impairment as a result of the accident, $1,000,000
> “Old Regulation” means Ontario Regulation 403/96 (Statutory Accident Benefits Schedule — Accidents on or After November 1, 1996), made under the Act; (“ancien règlement”)
> (a) that are authorized by, and calculated by applying the rates set out in, the most recent transportation expense guideline published by the Financial Services Regulatory Authority of Ontario, and
> An application under subsection 280 (2) of the Act in respect of a benefit shall be commenced within two years after the insurer’s refusal to pay the amount claimed. O. Reg. 44/16, s. 6.
### Insurance Act, R.S.O. 1990, c. I.8 — Ontario e-Laws
<https://www.ontario.ca/laws/statute/90i08> — retrieved 2026-08-29
> Dispute Resolution — Statutory Accident Benefits
> 279 For the purposes of sections 280 to 283, “insured person” includes a person who is claiming funeral expenses or a death benefit under the Statutory Accident Benefits Schedule; (“personne assurée”)
> “Licence Appeal Tribunal” means the Licence Appeal Tribunal established under the Licence Appeal Tribunal Act, 1999. (“Tribunal d’appel en matière de permis”) 2014, c. 9, Sched. 3, s. 14.
> Resolution of disputes
> 280 (1) This section applies with respect to the resolution of disputes in respect of an insured person’s entitlement to statutory accident benefits or in respect of the amount of statutory accident benefits to which an insured person is entitled. 2014, c. 9, Sched. 3, s. 14.
> Application to Tribunal (2) The insured person or the insurer may apply to the Licence Appeal Tribunal to resolve a dispute described in subsection (1). 2014, c. 9, Sched. 3, s. 14.
> Limit on court proceedings (3) No person may bring a proceeding in any court with respect to a dispute described in subsection (1), other than an appeal from a decision of the Licence Appeal Tribunal or an application for judicial review. 2014, c. 9, Sched. 3, s. 14.
> Resolution in accordance with Schedule (4) The dispute shall be resolved in accordance with the Statutory Accident Benefits Schedule. 2014, c. 9, Sched. 3, s. 14.
> 2014, c. 9, Sched. 3, s. 14 - 01/04/2016
> “Chief Executive Officer” means the Chief Executive Officer appointed under subsection 10 (2) of the Financial Services Regulatory Authority of Ontario Act, 2016; (“directeur général de l’Autorité”)
> 268.3 (1) The Chief Executive Officer may issue guidelines on the interpretation and operation of the Statutory Accident Benefits Schedule or any provision of that Schedule. 1993, c. 10, s. 27; 1997, c. 28, s. 116; 2018, c. 8, Sched. 13, s. 22.
> Same (1.1) The Chief Executive Officer may issue guidelines setting out the treatment, services, measures or goods applicable in respect of types of impairments for the purposes of payment of a medical or rehabilitation benefit provided under the Statutory Accident Benefits Schedule, and such guidelines may include conditions, restrictions and limits with respect to such treatment, services, measures or goods. 2002, c. 22, s. 125; 2018, c. 8, Sched. 13, s. 22.
> Effect of guideline (2) Subject to section 268.2, a guideline shall be considered in any determination involving the interpretation of the Statutory Accident Benefits Schedule. 1993, c. 10, s. 27.
### Licence Appeal Tribunal Act, 1999, S.O. 1999, c. 12, Sched. G — Ontario e-Laws
<https://www.ontario.ca/laws/statute/99l12> — retrieved 2026-08-29
> Licence Appeal Tribunal Act, 1999, S.O. 1999, c. 12, Sched. G
> S.O. 1999, CHAPTER 12 Schedule G
> Consolidation Period: From January 1, 2025 to the e-Laws currency date.
> Tribunal established 2 (1) There is hereby established a tribunal to be known in English as the Licence Appeal Tribunal and in French as Tribunal d’appel en matière de permis. 1999, c. 12, Sched. G, s. 2 (1).
> Members (2) The Tribunal shall consist of not fewer than three members. 1999, c. 12, Sched. G, s. 2 (2).
### Licence Appeal Tribunal - Automobile Accident Benefits Service (LAT-AABS) — Tribunals Ontario
<https://tribunalsontario.ca/lat-aabs/> — retrieved 2026-08-29
> Resolve a dispute about an insured person’s entitlement to, or amount of, statutory motor vehicle accident benefits
> A person who is injured in an automobile accident can apply to LAT-AABS if there is a disagreement about their entitlement to accident benefits or the amount of benefits that should be paid.
> If an insurance company believes an individual has been paid too much under their policy, the company can file a LAT-AABS application to have the money returned.
> The LAT has two divisions – LAT-AABS and LAT-GS (General Service). LAT-GS resolves a variety of appeals including vehicle impoundments, licence suspensions, monetary orders, licensing, consumer compensation claims, and compliance orders.
### Laws, rules and decisions — LAT-AABS, Tribunals Ontario
<https://tribunalsontario.ca/lat-aabs/laws-rules-and-decisions/> — retrieved 2026-08-29
> The Insurance Act and the Statutory Accident Benefits Schedule (SABS) make the LAT-AABS responsible for resolving disputes over automobile accident benefits:
> Section 280 of the Insurance Act says that a person or insurance company may apply to the LAT-AABS to resolve a dispute about an insured person’s entitlement to, or amount of, a statutory motor vehicle accident benefit.
> Section 268 of the Insurance Act says that every motor vehicle liability policy provides specified benefits which are set out in the Statutory Accident Benefits Schedule (SABS), a regulation made under the Insurance Act.
> Sections 279-288 of the Insurance Act deal with disputes about motor vehicle accident insurance benefits.
> Related laws Licence Appeal Tribunal Act Insurance Act Statutory Powers Procedure Act Compulsory Automobile Insurance Act Motor Vehicle Accident Claims Act Auto Insurance Rate Stabilization Act
> Related regulations Statutory Accident Benefits Schedule, O. Reg. 34/10 (Effective September 1, 2010)
> Rules of Practice Licence Appeal Tribunal Rules, 2023 (effective November 17, 2025)
### Application and hearing process — LAT-AABS, Tribunals Ontario
<https://tribunalsontario.ca/lat-aabs/application-and-hearing-process/> — retrieved 2026-08-29
> 4. Consider other ways to resolve your dispute
> Before you apply to the LAT-AABS, you may want to consider negotiation or mediation services. Parties are encouraged to attempt to negotiate the claim at all times, including before filing at the LAT-AABS, and continuing negotiation discussions after a claim has been filed.
> The SABS is the framework that the LAT-AABS uses to help you and your motor vehicle insurance company reach a settlement. The SABS is a regulation under the Insurance Act that sets out the benefits and compensation that may be available to you as a driver, passenger, or pedestrian if you have been hurt in a motor vehicle accident.
> You are encouraged to talk to your insurance company and try to settle your dispute before starting the LAT-AABS process. Settling your dispute with your insurance company is the fastest and least costly way to resolve your claim.
> You must file an application within two years after receiving this notice from the insurance company.
> A case conference is an opportunity for parties to attempt to settle their cases and, if a settlement is not reached, an adjudicator from the
> The goals of the case conference are to: help the parties reach a settlement;
> A case conference is led by an adjudicator whose role is to guide and support the parties in working to resolve the dispute. The adjudicator is trained to understand accident benefits disputes and will provide his or her view on what could happen if the case went to a hearing.
> the LAT-AABS will schedule a two-hour case conference for the parties to meet with an adjudicator. Case conferences will usually take place within 45-60 days of the response being received. The case conference will usually take place by telephone.
> Changes to the Statutory Accident Benefits Schedule effective July 1, 2026 may impact your insurance benefits and the rules that apply to them.
### Tribunals Ontario 2024-25 Annual Report
<https://tribunalsontario.ca/documents/TO/Tribunals_Ontario_2024-2025_Annual_Report.html> — retrieved 2026-08-29
> Tribunals Ontario 2024-25 Annual Report
> This report reflects the agency's accomplishments for the fiscal year ending March 31, 2025.
> ISBN 978-1-4868-8848-1 © King's Printer for Ontario, 2025
> Table 2: LAT-AABS Caseload Overview
> Caseload 2024-2025 2023-2024 2022-2023 2021-2022
> Appeals received 16,002 16,142 13,983 15,800
> Appeals closed 18,884 18,016 16,257 11,668
> Active appeals at fiscal year end 9,191 12,016 13,903 16,204
> Case conferences held 12,081 11,556 11,411 7,752
> Decisions rendered 1,104 1,088 587 555
> Applications settled/withdrawn 17,603 16,941 15,337 11,116
> In 2024–2025, the LAT maintained strong service delivery while managing 16,776 new matters—the second-highest annual intake on record. This included 4,559 matters in Q4 alone, marking the highest quarterly appeal and application volume ever recorded at the LAT.
> In the last fiscal year, the LAT continued to reduce its active caseload, resolving a record 19,627 files despite the increased intake volume. As of March 31, 2025, the active caseload stood at 9,367 files down from a peak caseload of 17,465 in August 2022.
> To sustain service improvements, the LAT-AABS significantly reduced the time between application intake and the first case conference. In 2024-2025, the average timeline dropped to three months and three weeks, down from six months the previous year.
> The LAT-AABS also improved scheduling efficiency for merits hearings. The average time from application to oral hearing decreased from 437 to 332 days, while written hearing timelines decreased from 528 to 421 days.
> The LAT adjudicates applications and resolves disputes concerning compensation claims and licensing activities regulated by the provincial government, including the activities of delegated administrative authorities. The LAT is comprised of two main divisions: General Service (LAT-GS) and Automobile Accident Benefits Service (LAT-AABS).
> Table 1: LAT-GS Caseload Overview ... Appeals received 774 645 625 595
### Licence Appeal Tribunal Rules (2025 consolidation) — Tribunals Ontario
<https://tribunalsontario.ca/documents/lat/LAT-Rules_2025.html> — retrieved 2026-08-29
> 2.4 “CASE CONFERENCE” “Case Conference” has the same meaning as “Pre-Hearing Conference” as defined in the
> 14. Case Conferences 14.1 Directions And Orders At Case Conferences 14.2 Scope Of Case Conferences 14.4 Settlement Discussions 14.5 Case Conference Not Public 14.6 Party Attendance At Case Conferences
> 20.5 Settlement At Case Conferences
> Rule 20.4 provides that at least 10 days before a scheduled case conference, each party must file a case conference summary in such form as required by the Tribunal.
### Financial Services Regulatory Authority of Ontario Act, 2016, S.O. 2016, c. 37, Sched. 8 — Ontario e-Laws
<https://www.ontario.ca/laws/statute/16f37> — retrieved 2026-08-29
> Financial Services Regulatory Authority of Ontario Act, 2016, S.O. 2016, c. 37, Sched. 8
> “Authority” means the Financial Services Regulatory Authority of Ontario continued under subsection 2 (1); (“Autorité”)
> “regulated sector” means a sector that is subject to, (a) the Credit Unions and Caisses Populaires Act, 2020, (a.1) the Financial Professionals Title Protection Act, 2019, (b) the Insurance Act, (c) the Loan and Trust Corporations Act, (d) the Mortgage Brokerages, Lenders and Administrators Act, 2006, (e) the Pension Benefits Act, (f) the Pooled Registered Pension Plans Act, 2015, or (g) such other legislation as may be prescribed; (“secteur réglementé”)
> 2 (1) The predecessor Authority and DICO are amalgamated and shall continue as one corporation without share capital under the name Financial Services Regulatory Authority of Ontario in English and Autorité ontarienne de réglementation des services financiers in French. 2018, c. 17, Sched. 17, s. 2.
> Crown agency (3) The Authority is an agent of the Crown in right of Ontario.
> Objects of the Authority 3 (1) The objects of the Authority are, (a) to regulate and generally supervise the regulated sectors; (b) to contribute to public confidence in the regulated sectors; (c) to monitor and evaluate developments and trends in the regulated sectors; (d) to cooperate and collaborate with other regulators where appropriate; (e) to promote public education and knowledge about the regulated sectors; (f) to promote transparency and disclosure of information by the regulated sectors; (g) to deter deceptive or fraudulent conduct, practices and activities by the regulated sectors; and (h) to carry out such other objects as may be prescribed. 2017, c. 34, Sched. 16, s. 2.
> Same, financial services sectors (2) In addition to the objects set out in subsection (1), the objects of the Authority in respect of the financial services sectors are, (a) to promote high standards of business conduct; (b) to protect the rights and interests of consumers; and (c) to foster strong, sustainable, competitive and innovative financial services sectors. 2017, c. 34, Sched. 16, s. 2.
> “FSCO” means the former Financial Services Commission of Ontario that was established under the repealed Financial Services Commission of Ontario Act, 1997; (“CSFO”)
---
## What this establishes
Each item names the source it rests on. An item here that no quotation above
supports is a defect in this file, not a fact.
- The SABS is Ontario Regulation 34/10, titled "Statutory Accident Benefits Schedule — Effective September 1, 2010". Ontario e-Laws publishes it as "O. Reg. 34/10: STATUTORY ACCIDENT BENEFITS SCHEDULE - EFFECTIVE SEPTEMBER 1, 2010". (Note: the e-Laws body heading renders in small-caps markup, which flattens to the text string "Statutory Accident bEnefits Schedule" — this is a rendering artefact, not the regulation's title.)
*Source:* <https://www.ontario.ca/laws/regulation/100034>
- O. Reg. 34/10 is made under the Insurance Act. The e-Laws page carries the machine-readable field og:actTitle = "Insurance Act", and the regulation's own text refers to "the Act" throughout while defining its predecessor O. Reg. 403/96 as "made under the Act".
*Source:* <https://www.ontario.ca/laws/regulation/100034>
- The tribunal independently confirms the enabling statute: "Section 268 of the Insurance Act says that every motor vehicle liability policy provides specified benefits which are set out in the Statutory Accident Benefits Schedule (SABS), a regulation made under the Insurance Act."
*Source:* <https://tribunalsontario.ca/lat-aabs/laws-rules-and-decisions/>
- The version of O. Reg. 34/10 retrieved on 2026-08-29 carries "Consolidation Period: From July 1, 2026 to the e-Laws currency date" and "Last amendment: 58/25". A SABS amendment took effect 1 July 2026; the tribunal notes "Changes to the Statutory Accident Benefits Schedule effective July 1, 2026 may impact your insurance benefits and the rules that apply to them." Any SABS copy predating that date is stale.
*Source:* <https://www.ontario.ca/laws/regulation/100034>
- "Minor Injury Guideline" is defined in section 3(1) of O. Reg. 34/10 (heading: "Definitions and interpretation") as "a guideline, (a) that is issued by the Chief Executive Officer under subsection 268.3 (1.1) of the Act and published in The Ontario Gazette, and (b) that establishes a treatment framework in respect of one or more minor injuries".
*Source:* <https://www.ontario.ca/laws/regulation/100034>
- "minor injury" is separately defined in section 3(1) of O. Reg. 34/10 as "one or more of a sprain, strain, whiplash associated disorder, contusion, abrasion, laceration or subluxation and includes any clinically associated sequelae to such an injury".
*Source:* <https://www.ontario.ca/laws/regulation/100034>
- The $3,500 monetary limit is set by section 18(1) of the SABS itself — NOT by the Minor Injury Guideline. Section 18 is headed "Monetary limits re medical and rehabilitation benefits" and s. 18(1) reads: "The sum of the medical and rehabilitation benefits payable in respect of an insured person who sustains an impairment that is predominantly a minor injury shall not exceed $3,500 plus the amount of any applicable harmonized sales tax payable under Part IX of the Excise Tax Act (Canada) for accidents that occur on or after June 3, 2019 for any one accident, less the sum of all amounts paid in respect of the insured person in accordance with the Minor Injury Guideline."
*Source:* <https://www.ontario.ca/laws/regulation/100034>
- Section 18(2) of the SABS creates an exception to the $3,500 limit: it "does not apply to an insured person if his or her health practitioner determines and provides compelling evidence that the insured person has a pre-existing medical condition that was documented by a health practitioner before the accident and that will prevent the insured person from achieving maximal recovery from the minor injury" if subject to the limit or to the MIG's authorized goods and services.
*Source:* <https://www.ontario.ca/laws/regulation/100034>
- For an insured person NOT subject to the s. 18(1) minor-injury limit, s. 18(3) caps medical, rehabilitation and attendant care benefits at $65,000 per accident (plus applicable HST, for accidents on or after June 3, 2019), or $1,000,000 where the person sustained a catastrophic impairment.
*Source:* <https://www.ontario.ca/laws/regulation/100034>
- The Minor Injury Guideline is issued by the Chief Executive Officer under s. 268.3(1.1) of the Insurance Act, which empowers the CEO to "issue guidelines setting out the treatment, services, measures or goods applicable in respect of types of impairments for the purposes of payment of a medical or rehabilitation benefit provided under the Statutory Accident Benefits Schedule". Under s. 268.3(2), "a guideline shall be considered in any determination involving the interpretation of the Statutory Accident Benefits Schedule."
*Source:* <https://www.ontario.ca/laws/statute/90i08>
- SABS disputes are heard by the Licence Appeal Tribunal. Insurance Act s. 280(1) applies "with respect to the resolution of disputes in respect of an insured person's entitlement to statutory accident benefits or in respect of the amount of statutory accident benefits to which an insured person is entitled", and s. 280(2) provides: "The insured person or the insurer may apply to the Licence Appeal Tribunal to resolve a dispute described in subsection (1)."
*Source:* <https://www.ontario.ca/laws/statute/90i08>
- Insurance Act s. 280(3) bars the courts: "No person may bring a proceeding in any court with respect to a dispute described in subsection (1), other than an appeal from a decision of the Licence Appeal Tribunal or an application for judicial review." Section 280(4) adds that "The dispute shall be resolved in accordance with the Statutory Accident Benefits Schedule."
*Source:* <https://www.ontario.ca/laws/statute/90i08>
- Insurance Act s. 279 defines "Licence Appeal Tribunal" as "the Licence Appeal Tribunal established under the Licence Appeal Tribunal Act, 1999". The e-Laws amendment history records the s. 279–280 scheme (2014, c. 9, Sched. 3, s. 14) as in force 01/04/2016.
*Source:* <https://www.ontario.ca/laws/statute/90i08>
- The Licence Appeal Tribunal is established by s. 2(1) of the Licence Appeal Tribunal Act, 1999, S.O. 1999, c. 12, Sched. G: "There is hereby established a tribunal to be known in English as the Licence Appeal Tribunal and in French as Tribunal d'appel en matière de permis."
*Source:* <https://www.ontario.ca/laws/statute/99l12>
- The LAT's accident-benefits division is the Automobile Accident Benefits Service (LAT-AABS), which exists to "Resolve a dispute about an insured person's entitlement to, or amount of, statutory motor vehicle accident benefits". The LAT has two divisions, LAT-AABS and LAT-GS (General Service).
*Source:* <https://tribunalsontario.ca/lat-aabs/>
- Either side may apply: an injured person may apply "if there is a disagreement about their entitlement to accident benefits or the amount of benefits that should be paid", and "If an insurance company believes an individual has been paid too much under their policy, the company can file a LAT-AABS application to have the money returned."
*Source:* <https://tribunalsontario.ca/lat-aabs/>
- The tribunal lists the governing instruments as the Licence Appeal Tribunal Act, the Insurance Act, the Statutory Powers Procedure Act, the Compulsory Automobile Insurance Act, the Motor Vehicle Accident Claims Act and the Auto Insurance Rate Stabilization Act, with the Statutory Accident Benefits Schedule, O. Reg. 34/10 among the related regulations. Procedure is governed by the Licence Appeal Tribunal Rules, 2023 (effective November 17, 2025).
*Source:* <https://tribunalsontario.ca/lat-aabs/laws-rules-and-decisions/>
- A SABS application to the LAT must be commenced within two years: SABS s. 56 provides that "An application under subsection 280 (2) of the Act in respect of a benefit shall be commenced within two years after the insurer's refusal to pay the amount claimed." The tribunal states the same rule as "You must file an application within two years after receiving this notice from the insurance company."
*Source:* <https://www.ontario.ca/laws/regulation/100034>
- YES — the LAT publishes accident-benefit caseload volume figures. The Tribunals Ontario 2024-25 Annual Report contains "Table 2: LAT-AABS Caseload Overview", reporting for the fiscal year ending March 31, 2025 and three prior years.
*Source:* <https://tribunalsontario.ca/documents/TO/Tribunals_Ontario_2024-2025_Annual_Report.html>
- LAT-AABS appeals RECEIVED, by fiscal year: 16,002 (2024-2025); 16,142 (2023-2024); 13,983 (2022-2023); 15,800 (2021-2022). Reporting period for the most recent column is the fiscal year ending March 31, 2025.
*Source:* <https://tribunalsontario.ca/documents/TO/Tribunals_Ontario_2024-2025_Annual_Report.html>
- LAT-AABS appeals CLOSED, by fiscal year: 18,884 (2024-2025); 18,016 (2023-2024); 16,257 (2022-2023); 11,668 (2021-2022).
*Source:* <https://tribunalsontario.ca/documents/TO/Tribunals_Ontario_2024-2025_Annual_Report.html>
- LAT-AABS active appeals at fiscal year end: 9,191 (2024-2025); 12,016 (2023-2024); 13,903 (2022-2023); 16,204 (2021-2022).
*Source:* <https://tribunalsontario.ca/documents/TO/Tribunals_Ontario_2024-2025_Annual_Report.html>
- LAT-AABS case conferences held: 12,081 (2024-2025); 11,556 (2023-2024); 11,411 (2022-2023); 7,752 (2021-2022). Decisions rendered: 1,104 (2024-2025); 1,088 (2023-2024); 587 (2022-2023); 555 (2021-2022).
*Source:* <https://tribunalsontario.ca/documents/TO/Tribunals_Ontario_2024-2025_Annual_Report.html>
- LAT-AABS "Applications settled/withdrawn" (a single combined row — settlements are NOT reported separately from withdrawals): 17,603 (2024-2025); 16,941 (2023-2024); 15,337 (2022-2023); 11,116 (2021-2022).
*Source:* <https://tribunalsontario.ca/documents/TO/Tribunals_Ontario_2024-2025_Annual_Report.html>
- Tribunal-wide LAT context for 2024-2025: the LAT managed "16,776 new matters—the second-highest annual intake on record", including "4,559 matters in Q4 alone, marking the highest quarterly appeal and application volume ever recorded at the LAT", and resolved "a record 19,627 files". Active caseload as at March 31, 2025 was 9,367, "down from a peak caseload of 17,465 in August 2022". (These totals cross-check the AABS table: 16,002 + 774 GS = 16,776; 18,884 + 743 GS = 19,627; 9,191 + 176 GS = 9,367.)
*Source:* <https://tribunalsontario.ca/documents/TO/Tribunals_Ontario_2024-2025_Annual_Report.html>
- LAT-AABS timelines for 2024-2025: average time from application intake to first case conference "dropped to three months and three weeks, down from six months the previous year"; average time from application to oral hearing "decreased from 437 to 332 days, while written hearing timelines decreased from 528 to 421 days".
*Source:* <https://tribunalsontario.ca/documents/TO/Tribunals_Ontario_2024-2025_Annual_Report.html>
- YES — the tribunal's own materials expressly point parties to mediation before applying. Under the heading "4. Consider other ways to resolve your dispute", the LAT-AABS Application and hearing process page states verbatim: "Before you apply to the LAT-AABS, you may want to consider negotiation or mediation services. Parties are encouraged to attempt to negotiate the claim at all times, including before filing at the LAT-AABS, and continuing negotiation discussions after a claim has been filed."
*Source:* <https://tribunalsontario.ca/lat-aabs/application-and-hearing-process/>
- PRECISION LIMIT on the mediation passage: the sentence does not use the word "private", does not name any provider, and does not say mediation may be used DURING a pending application. Mediation is mentioned only in the "before you apply" clause; the clause about continuing after filing refers specifically to "negotiation discussions", not to mediation. Any public copy should not extend it beyond that.
*Source:* <https://tribunalsontario.ca/lat-aabs/application-and-hearing-process/>
- The tribunal generally encourages pre-application settlement: "You are encouraged to talk to your insurance company and try to settle your dispute before starting the LAT-AABS process. Settling your dispute with your insurance company is the fastest and least costly way to resolve your claim."
*Source:* <https://tribunalsontario.ca/lat-aabs/application-and-hearing-process/>
- The LAT's own in-process settlement mechanism is the adjudicator-led case conference, not mediation. "A case conference is an opportunity for parties to attempt to settle their cases"; its goals include "help the parties reach a settlement"; and it is "led by an adjudicator whose role is to guide and support the parties in working to resolve the dispute", who "will provide his or her view on what could happen if the case went to a hearing". Case conferences are scheduled for two hours, usually within 45-60 days of the response, usually by telephone.
*Source:* <https://tribunalsontario.ca/lat-aabs/application-and-hearing-process/>
- FSRA is the Financial Services Regulatory Authority of Ontario, a corporation without share capital continued under s. 2(1) of the Financial Services Regulatory Authority of Ontario Act, 2016, S.O. 2016, c. 37, Sched. 8, and "an agent of the Crown in right of Ontario" (s. 2(3)). It succeeded the former Financial Services Commission of Ontario (FSCO).
*Source:* <https://www.ontario.ca/laws/statute/16f37>
- FSRA's statutory objects (s. 3(1)) are "(a) to regulate and generally supervise the regulated sectors; (b) to contribute to public confidence in the regulated sectors; (c) to monitor and evaluate developments and trends in the regulated sectors; (d) to cooperate and collaborate with other regulators where appropriate; (e) to promote public education and knowledge about the regulated sectors; (f) to promote transparency and disclosure of information by the regulated sectors; (g) to deter deceptive or fraudulent conduct, practices and activities by the regulated sectors". For financial services sectors, s. 3(2) adds "(a) to promote high standards of business conduct; (b) to protect the rights and interests of consumers; and (c) to foster strong, sustainable, competitive and innovative financial services sectors."
*Source:* <https://www.ontario.ca/laws/statute/16f37>
- Insurance — and therefore auto insurance — falls inside FSRA's mandate because "regulated sector" is defined in s. 1(1) of the FSRA Act to mean a sector subject to, among other statutes, "(b) the Insurance Act".
*Source:* <https://www.ontario.ca/laws/statute/16f37>
- FSRA's specific operative role in the accident-benefits scheme is exercised through its Chief Executive Officer: the Insurance Act defines "Chief Executive Officer" as "the Chief Executive Officer appointed under subsection 10 (2) of the Financial Services Regulatory Authority of Ontario Act, 2016", and s. 268.3(1) and (1.1) empower that officer to issue the SABS guidelines — including the Minor Injury Guideline.
*Source:* <https://www.ontario.ca/laws/statute/90i08>
- The SABS itself names FSRA as the publisher of operative guidelines, e.g. the definition of "authorized transportation expense" turns on "the most recent transportation expense guideline published by the Financial Services Regulatory Authority of Ontario".
*Source:* <https://www.ontario.ca/laws/regulation/100034>
---
## What this does NOT establish
**Read this section before writing copy.** It is the half that keeps a page
honest, and on this project it is the half that has twice been skipped.
- **FSRA's description of itself and its auto-insurance role IN ITS OWN WORDS (from fsrao.ca).**
- *Searched:* WebSearch for FSRA/fsrao.ca auto insurance role; then direct retrieval of https://www.fsrao.ca/about-fsra/who-we-are and https://www.fsrao.ca/consumers/auto-insurance via WebFetch and via curl — plain, then with a Chrome UA, then with a full Safari UA plus Accept/Accept-Language/Sec-Fetch-* headers; also tried the media endpoint https://www.fsrao.ca/media/26151/download.
- *Outcome:* NOT ESTABLISHED — fsrao.ca is behind a Cloudflare interstitial. Every attempt returned HTTP 403 with a body whose title is "Just a moment..." (verified by reading the returned bytes, not by assuming an empty result). No FSRA-authored sentence was retrieved, so none is quoted. FSRA's identity and role are instead established above from primary statute (FSRA Act, 2016 s. 1(1), 2, 3; Insurance Act s. 268.3 and the "Chief Executive Officer" definition), which is stronger sourcing than a marketing page — but it is NOT FSRA speaking in its own voice. If a public page needs FSRA's own wording, someone must open fsrao.ca in a browser and commit the extract.
- **The text and contents of the Minor Injury Guideline document itself — what treatments it authorizes, its version number, and its effective date.**
- *Searched:* The MIG is issued by FSRA's CEO and published on fsrao.ca / in The Ontario Gazette. fsrao.ca was unreachable (Cloudflare 403, as above). The SABS text on e-Laws defines the MIG and incorporates it by reference but does not reproduce it.
- *Outcome:* NOT ESTABLISHED. What IS established is (a) the MIG's legal definition (SABS s. 3(1)), (b) its enabling power (Insurance Act s. 268.3(1.1)), and (c) the $3,500 limit, which sits in SABS s. 18(1) rather than in the Guideline. Do not describe the MIG's clinical contents, its treatment blocks, or its dollar figures as coming from the Guideline itself on the strength of this research.
- **Whether the Licence Appeal Tribunal Rules contain any mediation provision, or whether the LAT offers a mediation service of its own.**
- *Searched:* Case-insensitive grep for 'mediat' across four fetched tribunal artefacts: the LAT Rules (tribunalsontario.ca/documents/lat/LAT-Rules_2025.html), the LAT-AABS landing page, the Laws/rules/decisions page, and the Application and hearing process page. Matches were printed with context and read, not counted.
- *Outcome:* RESULT — NEGATIVE, and this is a finding rather than a gap. 'mediat' occurs exactly ONCE across all four documents: the single sentence on the Application and hearing process page quoted above. The LAT Rules contain no mediation rule; their settlement machinery is the case conference (Rules 14, 14.4 'Settlement Discussions', 20.5 'Settlement At Case Conferences'). The LAT does not appear to offer mediation itself. Note this was a sweep whose output was read; it covers only those four documents, not every page on tribunalsontario.ca.
- **Whether the LAT publishes a breakdown of how many AABS applications settle (as opposed to being withdrawn).**
- *Searched:* Read Table 2 (LAT-AABS Caseload Overview) in the Tribunals Ontario 2024-25 Annual Report in full.
- *Outcome:* NOT ESTABLISHED — the report publishes a single combined row, 'Applications settled/withdrawn' (17,603 in 2024-2025). Settlements are not separated from withdrawals. Do NOT characterise that figure as a settlement rate or as a number of mediated/settled cases.
- **Whether a more recent annual report than 2024-25 exists (i.e. a 2025-26 report covering the year ending March 31, 2026).**
- *Searched:* WebSearch for Tribunals Ontario annual report LAT AABS caseload; retrieved the 2024-25 report, which is dated June 30, 2025 and is the most recent surfaced.
- *Outcome:* NOT CONFIRMED either way. The 2024-25 report (fiscal year ending March 31, 2025) is the latest located as of 2026-08-29, but no search was run specifically to rule out a 2025-26 edition. Given today's date, one may well have been published. Re-check before publishing any 'most recent' or 'latest available' framing around these figures.
- *Outcome, R18 re-check:* **CONFIRMED — no 2025-26 edition is published, and FY2024-25 remains current** `[re-checked 2026-09-01 — Pouya, <https://tribunalsontario.ca/en/about/governance-and-accountability/>]`. This closes the item as originally posed. The caution in the line above is retained rather than struck, because it is about a FRAMING and not about this fact: nothing on `/practice/insurance/` calls these figures the most recent or the latest available, and nothing should start to — a 2025-26 edition will appear eventually and a bare year label goes stale gracefully where a superlative does not.
- **What the SABS amendments effective July 1, 2026 actually changed.**
- *Searched:* Noted the consolidation banner on the e-Laws SABS page ('From July 1, 2026') and the tribunal's warning that 'Changes to the Statutory Accident Benefits Schedule effective July 1, 2026 may impact your insurance benefits'. Did not fetch O. Reg. 383/24 or the amending instruments.
- *Outcome:* NOT ESTABLISHED. Search-result snippets suggested that certain benefits became optional, but no primary amending regulation was fetched, so nothing about the substance of the July 2026 changes is asserted here. The s. 3(1) definitions and the s. 18(1) $3,500 limit quoted above ARE from the post-July-2026 consolidation and are current as retrieved.
---
## Adversarial check on this extract
An independent pass was run over the items above with one instruction: decide
whether the pasted quotations actually support each one, and flag anything
broader than its quote. `PARTLY` means the wording overreaches the source.
**Overreach found:** YES — see below
| Verdict | Claim | Why |
|---|---|---|
| **PARTLY** | 1. SABS is O. Reg. 34/10, titled as e-Laws publishes it — including the parenthetical note that the body heading is small-caps markup flattening to "Statutory Accident bEnefits Sch | The title strings are verbatim ("O. Reg. 34/10: STATUTORY ACCIDENT BENEFITS SCHEDULE - EFFECTIVE SEPTEMBER 1, 2010", "ONTARIO REGULATION 34/10"), and S5 independently quotes "Statutory Accident Benefits Schedule, O. Reg. 34/10 (Effective September 1, 2010)". OVERREACH: the entire parenthetical — "the e-Laws body heading renders in small-caps markup, which flattens to the text string 'Statutory Acc |
| **PARTLY** | 4. Retrieved version carries the July 1 2026 consolidation banner and "Last amendment: 58/25"; a SABS amendment took effect 1 July 2026; any SABS copy predating that date is stale | The banner, the last-amendment line, and the tribunal's "Changes to the Statutory Accident Benefits Schedule effective July 1, 2026" warning are all verbatim. OVERREACH: "Any SABS copy predating that date is stale" is a general editorial rule no quote states. "A SABS amendment took effect 1 July 2026" is also inferred — from a consolidation-period start date plus the tribunal's caution — with no a |
| **PARTLY** | 7. The $3,500 limit is set by SABS s. 18(1) — NOT by the Minor Injury Guideline | The s. 18 heading and the whole of s. 18(1) are verbatim, so "the limit sits in the regulation" is fully carried. OVERREACH: the words "NOT by the Minor Injury Guideline" are a statement about the Guideline's contents, and the extract's own notEstablished entry records that the MIG text was never retrieved. The quotes support only the positive form — the limit appears in the regulation's own text, |
| **PARTLY** | 10. MIG issued by the CEO under Insurance Act s. 268.3(1.1); under s. 268.3(2) "a guideline shall be considered in any determination..." | The 268.3(1.1) power and the SABS's own "issued by the Chief Executive Officer under subsection 268.3 (1.1) of the Act" are verbatim. OVERREACH: the s. 268.3(2) quotation silently drops the opening qualifier that is present in the pasted source quote — "Subject to section 268.2, a guideline shall be considered ..." — and presents an unconditional rule. Section 268.2 is not in evidence, so the scop |
| **PARTLY** | 13. s. 279 defines "Licence Appeal Tribunal"; the amendment history records the s. 279–280 scheme (2014, c. 9, Sched. 3, s. 14) as in force 01/04/2016 | The s. 279 definition is verbatim. OVERREACH: "records the s. 279–280 scheme ... as in force 01/04/2016" reads a bare e-Laws amendment-table line — "2014, c. 9, Sched. 3, s. 14 - 01/04/2016" — as a commencement statement. No quoted words say "in force", and the line names no sections. Minor, but it is an inference from page formatting rather than from text. |
| **PARTLY** | 17. The tribunal lists the governing instruments (LAT Act, Insurance Act, SPPA, Compulsory Automobile Insurance Act, MVACA, AIRSA; O. Reg. 34/10); procedure governed by the LAT Rul | The lists and the Rules line are verbatim. OVERREACH: the source heading is "Related laws", and calling those items "the governing instruments" upgrades a related-reading list into a claim that each governs LAT-AABS proceedings — the Auto Insurance Rate Stabilization Act being the clearest example the quote will not carry. "Procedure is governed by" for the quoted heading "Rules of Practice" is an |
| **PARTLY** | 18. Two-year limitation: "SABS s. 56" provides ...; the tribunal states the same rule | The limitation sentence is verbatim. Two overreaches. (a) The section number "s. 56" appears in NO pasted quote — the quoted line carries only "O. Reg. 44/16, s. 6", which is an amending citation, not the section of the SABS. Drop the number or re-verify it. (b) "The tribunal states the same rule" equates "two years after the insurer's refusal to pay the amount claimed" with "two years after recei |
| **PARTLY** | 24. "Applications settled/withdrawn" is a single combined row — settlements are NOT reported separately from withdrawals | The combined row and its four figures are verbatim, so "Table 2 reports one combined row" is fully carried. OVERREACH: "settlements are NOT reported separately from withdrawals" is a negative about the report as a whole, while the pasted quotes cover only Table 2's rows. Keep it to the table: nothing pasted shows what the rest of the report does or does not break out. |
| **PARTLY** | 25. Tribunal-wide 2024-25 context (16,776 new matters; 4,559 in Q4; 19,627 resolved; 9,367 active; peak 17,465 Aug 2022) with an arithmetic cross-check against the AABS table | Every narrative figure is verbatim. OVERREACH is in the parenthetical cross-check: two of its three reconciliations use LAT-GS numbers that appear in NO pasted quote — GS closed 743 and GS active 176. The only GS quote is "Appeals received 774 645 625 595". So 16,002 + 774 = 16,776 is checkable from the quotes; 18,884 + 743 and 9,191 + 176 are not, and "all three reconcile" cannot be verified from |
| **PARTLY** | 27. YES — the tribunal's own materials expressly point parties to mediation before applying | The heading and the sentence are verbatim and do mention mediation. OVERREACH in the framing, not the quote: "expressly point parties to mediation" overstates "you may want to consider negotiation or mediation services" — permissive, unranked, and paired with negotiation, with no referral or direction. "the tribunal's own materials" (plural, a class) rests on ONE sentence on ONE page; the extract' |
| **PARTLY** | 30. The LAT's own in-process settlement mechanism is the adjudicator-led case conference, not mediation | Every descriptive element — settlement opportunity, "help the parties reach a settlement", adjudicator-led, the adjudicator's view of a hearing outcome, two hours, 45-60 days of the response, usually by telephone — is verbatim. OVERREACH: "is ... not mediation" and the exclusivity of "THE LAT's own in-process settlement mechanism" rest on an absence found by a grep over four documents (recorded in |
| **PARTLY** | 31. FSRA continued under s. 2(1) of the FSRA Act, 2016 as a corporation without share capital, an agent of the Crown (s. 2(3)); it succeeded the former FSCO | "Corporation without share capital", the s. 2(1) continuation and "an agent of the Crown in right of Ontario" are verbatim. OVERREACH: "It succeeded the former Financial Services Commission of Ontario (FSCO)". The pasted s. 2(1) says FSRA continues from "the predecessor Authority and DICO" — neither term defined in any pasted quote — and the FSCO quote only defines FSCO as "the former ... Commissi |
| **PARTLY** | 32. FSRA's statutory objects, s. 3(1)(a)–(g) and s. 3(2)(a)–(c) | Everything quoted is verbatim. OVERREACH by omission: the pasted quote continues "(h) to carry out such other objects as may be prescribed", and the fact presents (a)–(g) as what the objects "are", with no ellipsis and no mention of (h). An enumerated list presented as complete when the source shows one more item. Add (h) or mark the truncation. |
| **PARTLY** | 33. Insurance — and therefore auto insurance — falls inside FSRA's mandate because "regulated sector" is defined in s. 1(1) to include "(b) the Insurance Act" | The "regulated sector" definition including "(b) the Insurance Act" is verbatim. Three things go beyond it: the section number "s. 1(1)" appears in no quote (the definition is pasted with no section reference); "and therefore auto insurance" is an inferential step absent from every FSRA Act quote, borrowed from the tribunal's separate s. 268 sentence; and "falls inside FSRA's mandate" is a conclus |
| **PARTLY** | 34. FSRA's specific operative role in the accident-benefits scheme is exercised through its CEO, who issues the SABS guidelines including the MIG | The CEO definition, s. 268.3(1) and (1.1), and the SABS's own "issued by the Chief Executive Officer under subsection 268.3 (1.1)" are all verbatim, so "the CEO issues the SABS guidelines, including the MIG" is fully carried. OVERREACH: "FSRA's specific operative role in the accident-benefits scheme IS exercised through its Chief Executive Officer" reads as exclusive. No quote surveys FSRA's role |
| **PARTLY** | 35. The SABS names FSRA as the publisher of operative guidelines, e.g. the definition of "authorized transportation expense" turns on the FSRA-published transportation expense guid | THIS IS THE CLASS-FROM-ONE-INSTANCE SHAPE the audit was looking for. The only evidence is a mid-sentence fragment: "(a) that are authorized by, and calculated by applying the rates set out in, the most recent transportation expense guideline published by the Financial Services Regulatory Authority of Ontario, and". Two overreaches. (a) "publisher of operative guidelines" — plural, a class — is dra |
*19 of 35 items were found fully supported; only the
others are tabled above.*
---
## Searches run
- `WebSearch: Statutory Accident Benefits Schedule O. Reg. 34/10 ontario.ca laws`
- `WebSearch: Licence Appeal Tribunal Automobile Accident Benefits Service tribunalsontario.ca`
- `WebSearch: Tribunals Ontario annual report Licence Appeal Tribunal AABS caseload applications received`
- `WebSearch: FSRA Financial Services Regulatory Authority of Ontario auto insurance role "about us" fsrao.ca`
- `WebFetch: https://www.ontario.ca/laws/regulation/100034 (returned page shell only — superseded by curl)`
- `WebFetch: https://www.canlii.org/en/on/laws/regu/o-reg-34-10/latest/o-reg-34-10.html (HTTP 403)`
- `WebFetch: https://tribunalsontario.ca/lat-aabs/`
- `WebFetch: https://tribunalsontario.ca/lat-aabs/laws-rules-and-decisions/`
- `WebFetch: https://www.fsrao.ca/about-fsra/who-we-are (HTTP 403)`
- `WebFetch: https://www.fsrao.ca/consumers/auto-insurance (HTTP 403)`
- `curl: https://www.ontario.ca/laws/regulation/100034 (HTTP 200, 260,313 bytes — full SABS text)`
- `curl: https://www.ontario.ca/laws/statute/90i08 (HTTP 200, 1,310,429 bytes — full Insurance Act)`
- `curl: https://www.ontario.ca/laws/statute/99l12 (HTTP 200 — Licence Appeal Tribunal Act, 1999)`
- `curl: https://www.ontario.ca/laws/statute/16f37 (HTTP 200 — FSRA Act, 2016)`
- `curl: https://tribunalsontario.ca/lat-aabs/ (HTTP 200)`
- `curl: https://tribunalsontario.ca/lat-aabs/laws-rules-and-decisions/ (HTTP 200)`
- `curl: https://tribunalsontario.ca/lat-aabs/application-and-hearing-process/ (HTTP 200)`
- `curl: https://tribunalsontario.ca/documents/lat/LAT-Rules_2025.html (HTTP 200)`
- `curl: https://tribunalsontario.ca/documents/TO/Tribunals_Ontario_2024-2025_Annual_Report.html (HTTP 200, 506,740 bytes)`
- `curl: https://www.fsrao.ca/about-fsra/who-we-are — HTTP 403 plain, 403 with Chrome UA, 403 with full Safari UA + Sec-Fetch headers (Cloudflare 'Just a moment...' interstitial)`
- `curl: https://www.fsrao.ca/media/26151/download (HTTP 403, same Cloudflare interstitial)`
- `grep (read with context): 'Minor Injury Guideline' x28 and '3,500' x1 in the SABS text`
- `grep (read with context): case-insensitive 'mediat|settle|alternative dispute|case conference' across LAT-AABS landing, laws, process pages and the LAT Rules`
- `grep (read with context): 'Chief Executive Officer means' and '268.3' in the Insurance Act`
- `grep (read with context): 'regulated sector' and 'Objects of the Authority' in the FSRA Act`
- `Arithmetic cross-check of the annual-report table alignment against the report's own narrative totals (16,002+774=16,776; 18,884+743=19,627; 9,191+176=9,367 — all three reconcile)`
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