If your Ontario accident benefits claim has been denied or reduced and direct discussions with your insurer do not resolve it, you may be able to apply to the Licence Appeal Tribunal — Automobile Accident Benefits Service (LAT-AABS), subject to rules and deadlines.
What Is LAT-AABS?
LAT-AABS is the Licence Appeal Tribunal's Automobile Accident Benefits Service. The official LAT-AABS page says it resolves disagreements about an insured person's entitlement to statutory motor vehicle accident benefits or the amount of benefits that should be paid. Official source: https://tribunalsontario.ca/lat-aabs/
Who Can Apply
A person injured in an automobile accident may be able to apply to LAT-AABS if there is a disagreement about entitlement to accident benefits or the amount payable. Rules, forms, and deadlines should be checked against official LAT-AABS materials: https://tribunalsontario.ca/lat-aabs/
What to Expect in a LAT-AABS Process
- LAT-AABS uses formal rules, forms, and case-management steps
- Your insurer has an opportunity to respond
- Some disputes may resolve before a hearing
- A hearing may be scheduled if the dispute does not resolve
- Official forms, rules, and deadlines should be checked directly with LAT-AABS
Types of Disputes LAT-AABS May Address
- Denial of income replacement or non-earner benefits
- Disputes about medical and rehabilitation benefit amounts
- MIG classification disputes
- Denials based on independent medical examinations
- Catastrophic impairment designation disputes
- Attendant care disputes
Preparation Matters
Preparation matters. Keep denial letters, dates, treatment plans, insurer correspondence, and medical support organized. This article is general information only and is not legal advice.
If you are heading toward a dispute — or already in one — a private review can help organize the practical questions to ask. This site is not a law firm and does not provide legal advice.