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Archive for category: Automobile Safety and Insurance

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Pedestrian Safety

In cities across Ontario pedestrian deaths are on the rise, and statistics are showing the elderly are affected most.  A report from the Ontario Coroner in 2012 found that those older than 65 accounted for 36% of pedestrian deaths in Ontario, while the population of those age 65 and older is only 13%.  This is an alarming statistic.  Many blame distracted driving, the prevalence of larger vehicles and city design for this increase.  Whatever the cause, something must be done.  Do you think the new traffic laws under the “Making Ontario Roads Safer Act” can make a difference?

Metro News:  Elderly pedestrian deaths on the rise in Toronto

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Is the Sky Falling? Auto Insurance Changes June 2016

Julie Entwistle, MBA, BHSc (OT), BSc (Health / Gerontology)

In June 2016 the Statutory Accident Benefits Schedule will change again.  I say “again” because in my relatively short sixteen year lifespan working in auto, the industry has gone through some major plastic surgery.  It is becoming less and less recognizable as it is nipped and tucked once more, becoming almost unrecognizable as the mandatory product we all purchase to be covered in the event of an accident.

Since the announcement of the upcoming changes, the common reaction is comparable to the story of Henny-Penny and Chicken-Little who create hysteria after an acorn falls on Chicken-Little’s head.  In earlier versions of the Chicken-Little story all the paranoid animals get lured and eaten by the fox.  Later versions of course have the animals living happily ever after, or finally understanding Newton’s law.

So, is the sky falling in Ontario’s auto insurance?  Well, I won’t say things are all unicorns and rainbows.  As of June 2016 all Ontario drivers will be paying relatively the same dollars for 50-98% of the coverage.  Attendant care and medical rehabilitation monies are being combined, resulting in reductions in coverage totalling $21K for seriously injured people and $1M for those that are deemed catastrophic.  On top of that, the industry will revise the criteria for catastrophic status so less people will qualify in the first place.  As a consumer, it is infuriating that my premiums are not changing to the $50 / year that this new coverage is worth.  As an OT that has clients running out of monies now, this does seem like the sky is falling.  Take for example my 16 year old client with C5 tetraplegia.  One million dollars in combined coverage will not last long for someone that is young, has a permanent impairment, who requires 24 hour care (and sometimes the care of two people simultaneously), and who will require a fully accessible home and vehicle so that his basic needs can be met.  And that does not even speak to the costs for the many therapies, wheelchairs, lifts and other treatments needed, nor the costs to get him education support and engaging in activities that he will find both meaningful and productive.

From a consumer and client perspective I am concerned.  While there is an option to “buy up” for decent coverage, most people don’t exercise this under the “it won’t happen to me” facade.  However, as a wanna-be optimist, from a professional and business perspective I can still help a lot of people with $65K or $1M in coverage.  That is a lot more money available than the $0 my clients with ALS, MS, stroke, or cancer ever receive.

So, Chicken-Little, Henny-Penny and friends overreacted.  They panicked.  They caused chaos.  I, on the other-hand, am choosing to take the adaptive approach.  Where are the opportunities?  What is still good about the coverage that remains?  Where can I still add value and help people?  How can I be proactive instead of reactive?  What initiatives can I support that are advocating for client and consumer protection?  What can I do in my practice to make $65K and $1M last as long as possible?  Call me Julie-Fooley, and perhaps I will be eaten by Fox-FSCO, but I still want to believe in happy endings.

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The Handicapped Parking Police

Julie Entwistle, MBA, BHSc (OT), BSc (Health / Gerontology)

One of my former clients was a teenager when he broke his neck falling out of a truck.  As a result, he was required to use a wheelchair for all mobility.  One day I arrived and he was wearing a t-shirt that said “I am in it for the parking”.

We are all aware of handicap parking spots.  These wider spots are conveniently located at the front of a parking lot, near an entrance to the building, close to a sidewalk with a curb cut, and are typically marked with bright yellow and blue paint or a sign reminding you the spot has special use.

In the news this week I read two very different stories about these parking spaces:

The first  was about a woman who parked in a handicap spot to enter Tim Horton’s.  When she returned to her vehicle she was confronted by a man about her choice of parking spot.  In the altercation she threw her coffee at him.  He recorded the interaction and posted the video online and it went viral – over a million views in a few days.   See the full story here.

The second describes the challenges a young woman frequently faces when using her handicap permit.  Recently she returned to her vehicle to find a note saying “stupidity is not a disability” and has had other similar messages left on her car in the past.  Yet in her case she has a condition that justifies her use of the pass, but the condition is not one that other people can see and thus understand.   See the full story here.

As an occupational therapist that is frequently requested to complete Accessible Parking Permit Applications, let me explain how this works.  To receive a permit, you must complete a Service Ontario application and this needs to be signed by a physician, occupational therapist, nurse, physiotherapist, chiropractor or chiropodist.  The form outlines the types of disabilities that qualify including those that cause mobility, breathing or cardiac impairments, or poor vision.  As some people with significant ailments like these can’t drive, they can still get a permit to be used as a “passenger”.  The professional signing the form is asked to indicate if the condition is “permanent”, “subject to change” or “temporary”.  This allows professionals to indicate that someone with a leg fracture, for example, may only need the pass for three months, or that is it “subject to change” if they have a condition that is likely to improve.  If you are curious about this form, and how it works, you can access it here.

So what happens when you don’t have a permit and you park in a handicap spot?  First of all, in the absence of an urgent situation, you are a jerk.  If caught, the fine is steep at $450.00.  In one article, The Toronto Star reported that the City had issued over 5,000 tickets since 2005 for one particular handicapped spot, totalling $1.9M.  Second, you may be subject to comments, ridicule or confrontation by others who judge you harshly for what most would consider an ignorant decision.  Third, you have just made life a little bit harder for someone that could use a break.  These spots are designed to reduce the physical risk of prolonged walking for people that might not be able to walk far, that might struggle to manage a wheelchair or walker over uneven terrain or a curb, or for those that are at risk of injury or falls when walking outdoors.  For people that struggle to leave the house and have difficulty managing in the community, being able to park close to a store may mean the difference between going out or not.  Your ignorance may reduce their confidence to venture out again.  Shame on you.

And what about the opposite?  What happens when you judge and ridicule someone that has a permit when you, apparently an expert in disability, feels that this is not required?  You are still being a jerk.  Not only are you making someone who already struggles to feel worse about their condition, but you are also passing judgement on the process that is in place to qualify people, including the professional that decided they met the criteria in the first place.  While I can appreciate that some people may feel they are being helpful to “police” these spots, it is important to trust the process and to respect that people may have these permits for reasons that are unseen.  Instead of taking your time to write a degrading note, perhaps consider two other options:

1.      Say nothing, do nothing, and don’t react emotionally.  The situation is none of your business.  If they stole their grandmother’s parking permit to try and skirt the drive-thru, well Karma is a bitch.

2.      Have compassion.  If someone went through the process of getting a pass, then they need it and have struggles that you don’t understand.

Have I ever turned down an application for a parking pass?  Yes, because someone didn’t qualify.  I trust my colleagues also do the same.  And no, my experience is that people with mobility, vision, breathing or heart problems are not “in it for the parking”.

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Changes to Ontario’s Accessible Parking Permits

Someone with an illness, injury or disability often will require an accessible parking permit allowing them to park in the marked, accessible spaces closest to the building they are wanting to access.  Unfortunately, these spaces are often misused by those who do not need them which inhibits access for those who require them.  Some new changes to accessible parking permits in Ontario will help to reduce misuse and make parking more accessible for those who really need it.  Take a look at the following from the Ontario Government explaining the important changes which have come into effect.

Ministry of Government and Consumer Relations:  Ontario Introduces New Accessible Parking Permits

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Is There A Need For Speed?

Hundreds of thousands of Canadians are involved in in motor vehicle accidents every year.  Many attribute accidents to weather conditions or distracted, impaired or dangerous driving, but what about speed?  Recently, BC has increased speed limits in an attempt to create safer highways, but many question whether this is a solution or a gateway to an even bigger problem?  Check out the following from Harris Law on this controversial decision and let us know:  Do you think increasing speed limits is a good idea?

Harris Law:  Could speed limits increase in Canada?

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I’m THAT Person

The Holiday Season has arrived and with it comes parties and get-togethers of all sorts.  Unfortunately, because of this, December is one of the most dangerous times to be on the road as there is often an increase in impaired driving.  This December, the York Regional Police and the OPP are promoting a fantastic campaign:  I’m THAT Person.  They are asking that you be THAT person who stands up to impaired driving by not letting others drink and drive and by reporting any dangerous driving you see on the roads.  So please help save lives this Holiday Season and BE THAT PERSON.

Help spread the word by sharing with the hashtag #ImThatPerson.

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Occupational Therapy Works For Personal Injury

October is Occupational Therapy month in Canada.  This month we will be celebrating and sharing on our blog everything OT.  In our OT Month series, “OT Works Here,” we will be highlighting some of the key areas in which OT works to change lives by providing solutions for living.

Today we want to highlight the many ways that Occupational Therapy works in cases of personal injury in the following infographic:

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Don’t Put Your Feet On the Dashboard

All passengers love to get comfortable on a long car ride.  I often see passengers in passing cars stretched out with their feet up on the dashboard.  Did you know this is a very dangerous thing to do?  Check out the following article which shows just how dangerous this can be.

She Was Just Putting Her Feet on the Dashboard — And It Was One of the Biggest Mistakes of Her Life