ST ANDING COMMITTEE ON FINANCE AND …2012 and attached newspaper clipping dated June 3, 2012. ANDREWS. MYERS - Written submission, letter dated June 11,2012. CATASTROPHIC INJURY MANAGEMENT,

ST ANDING COMMITTEE ON FINANCE AND ECONOMIC AFFAIRS

1st SESSION, 401h PARLIAMENT

Exhibits

Automobile Insurance Industry

Note: Exhibits J/05/062-1/05/103J and 11051104 are also exhibited by the Standing Committee on General Government on May 28 and 30, 2012 as exhibits 11041001-043.

EXHIBIT NO. 1105/00lA FINANCIAL SERVICES COMMISSION OF ONTARIO (FSCO) - Submission dated July 9, 2012 entitled "Ontario's Auto Insurance System."

EXHIBIT NO. 11051001 B FINANCIAL SERVICES COMMISSION OF ONT ARIO (FSCO) - Submission dated July 9, 2012 relating to statistical data and charts entitled "Ontario's Auto Insurance System."

EXHIBIT NO. 1/05/00lC FINANCIAL SERVICES COMMISSION OF ONTARIO (FSCO) - Submission dated July 9, 2012 entitled describing the current state of the Ontario auto insurance system entitled "Ontario ' s Auto Insurance System."

EXHIBIT NO. 1/05/00lD FINANCIAL SERVICES COMMISSION OF ONTARIO (FSCO) - Written submission, email dated July 9, 2012 entitled "Standing Committee on Finance and Economic Affairs - Correction" from Tom Golfetto.

EXHIBIT NO. 1/05/002A HAROLD BECKER - Submission, speaking notes dated July 9, 2012.

EXHIBIT NO. 1/05/002B HAROLD BECKER - Submission, letter dated May 13 , 2011 entitled "Analysis of the Catastrophic Impairment Expert Panel Report dated April 8, 2011."

EXHIBIT NO. 1/05/003 SIDNEY CHELSKY - Submission, speaking notes.

EXHIBIT NO. 1/05/004A PANEL OF CLINICAL EXPERTS ENDORSED BY THE ALLIANCE COMMUNITY MEDICAL AND REHABILITATION PROVIDERS - Submission dated July 8, 2012 entitled "Who are we?"

EXHIBIT NO. 1/05/004B PANEL OF CLINICAL EXPERTS ENDORSED BY THE ALLIANCE COMMUNITY MEDICAL AND REHABILITATION PROVIDERS - Submission dated July 9, 2012 entitled "Response to: The Superintendent's Report on the Definition of Catastrophic Impairments in the Statutory Accident Benefits Schedule (December 15, 2011) ."

2 Exhibits

Automobile Insurance Review

EXHIBIT NO. 1/05/004C PANEL OF CLINICAL EXPERTS ENDORSED BY THE ALLIANCE COMMUNITY MEDICAL AND REHABILITATION PROVIDERS - Submission dated May 13, 2011 entitled "Response to: The Final Report of the Catastrophic Impairment Expert Panel to the Superintendent (April 8, 2011)."

EXHIBIT NO. 1/05/005 RICHARD GAUTHIER - Submission dated April 17, 2012 entitled "Ontario Rate Approval Process - Enhanced efficiency and simplification."

EXHIBIT NO. 1/05/006 NADIRA KANHAI- Submission, speaking notes.

EXHIBIT NO. 1105/007 A SPEAKING WITH ONE VOICE - Submission, speaking notes for Dr. Sukhvinder Kalsi-Ryan.

EXHIBIT NO. 1/05/007B SPEAKING WITH ONE VOICE - Submission, PowerPoint slides.

EXHIBIT NO. 1/05/007C SPEAKING WITH ONE VOICE - Submission entitled "Speaking with One Voice Multi Stakeholder Group."

EXHIBIT NO. 1/05/008






BARRY GOOBIE - Written submission, letter dated May 27, 2012 to the Clerk of the Committee with respect to car insurance industry practices.

PHIL CHARLTON - Written submission, letter dated May 28, 2012 to the Clerk of the Committee with respect to auto insurance industries.

SUE WARREN - Written submission, letter dated May 28, 2012 to the Clerk of the Committee entitled "Input to the Ontario Standing Committee on General Government Public Hearing on Car Insurance Industry Practices."

CA THERINE COURNEYEA - Written submission dated May 29, 2012.

J.K. KERR - Written submission, dated May 29, 2012 to the Standing Committee on General Government.

INSURANCE BUREAU OF CANADA - Written submission, letter dated May 30, 2012 to the Chair of the Standing Committee on General Government.

EXHIBIT NO. 1105/014


EXHIBIT NO. 11051016




3 Exhibits


TD INSURANCE - Written submission, letter dated May 30, 2012 to the Clerk of the Standing Committee on General Government.

ORANGEVILLE SPEECH AND LANGUAGE CLINIC -Written submission, letter dated May 30, 2012 to David Orazietti, Chair of the Standing Committee on General Government.

DENIS J . OLORENSHAW - Written submission, letter dated June 2, 2012 to the Clerk of the Standing Committee on General Government.

BRUCE CREWSON - Written submission, letter dated June 6, 2012 and attached newspaper clipping dated June 3, 2012.

ANDREWS. MYERS - Written submission, letter dated June 11,2012.

CATASTROPHIC INJURY MANAGEMENT, INC. -Written submission, letter dated June 13, 2012.

EXHIBIT NO. 11051020 ST A TE FARM INSURANCE COMPANIES - Written submission, letter dated June 19, 2012 to the Clerk of the Committee on General Government.

EXHIBIT NO. 1105/021 TERRY CASSIDY - Written submission.

EXHIBIT NO. 1/05/022A BRIAN FRANCIS - Written submission, email dated June 5, 2012 entitled "CPSO - Third Party Reports/IMEs - Reviewed and Updated: May 2012."

EXHIBIT NO. 1/05/022B BRIAN FRANCIS - Written submission, email dated June 5, 2012 entitled "Desjardins to focus on Ontario, Montreal following positive 2012 Ql results."

EXHIBIT NO. 1/05/022C BRIAN FRANCIS - Written submission, email dated June 6, 2012 entitled "submission re the notion that substandard, inept insurer IMEs accusing brain injured claimants of fraudulent malingering are one-off anomalies."

EXHIBIT NO. 1/05/022D BRIAN FRANCIS - Written submission, email dated June 6, 2012 entitled "dismissive insurer spin on their substandard IMEs."

EXHIBIT NO. 1/05/022E

4 Exhibits


BRIAN FRANCIS - Written submission, email dated June 6, 2012 entitled "Ontario auto insurers fails to deliver six of the seven things their injured claimants most value!!!."

EXHIBIT NO. 1/05/022F BRIAN FRANCIS - Written submission, email dated June 7, 2012 entitled "a businessman, by regulating his facilities, cannot open and hire other individuals to run this facility versus a businessman .... who only happens to be a doctor."

EXHIBIT NO. 1/05/022G BRIAN FRANCIS - Written submission, email dated June 8, 2012 entitled "CPSO re Medical experts - The draft policy sets out the College's expectations of physicians who participate in any type of legal proceeding as medical experts .... "

EXHIBIT NO. 1/05/022H BRIAN FRANCIS - Written submission, email dated June 8, 2012 entitled "how an epidemiological study into the hypothesis that all patients (auto accident victims included) are fakers?"

EXHIBIT NO. 1/05/022I BRIAN FRANCIS - Written submission, email dated June 8, 2012 part 1 of 2 entitled "how about a content analysis of a ransom sampling of insurer sponsored IMEs which allege opportunistic fraud?"

EXHIBIT NO. 1/05/022J BRIAN FRANCIS - Written submission, email dated June 8, 2012 part 2 of 2 entitled "Fw: how about a content analysis of a random sampling of insurer sponsored IMEs which allege opportunistic fraud?"

EXHIBIT NO. 1/05/022K BRIAN FRANCIS - Written submission, email dated June 10, 2012 entitled "IME assessment mill owners who only happen to be doctors."

EXHIBIT NO. 1/05/022L BRIAN FRANCIS - Written submission, email dated June 11, 2012 part 1 of 2 entitled "Law Times - he was pressured into the scheme by Vinti Sansanwal, national claims director at HB Group Insurance Management Ltd."

EXHIBIT NO. 1/05/022M BRIAN FRANCIS - Written submission, email dated June 11, 2012, part 2 of 2 entitled "Law Times - he was pressured into the scheme by Vinti Sansanwal, national claims director at HB Group Insurance Management Ltd."

EXHIBIT NO. 1/05/022N BRIAN FRANCIS - Written submission, email dated June 12, 2012 entitled "why are Ontario's 9 million motorists paying an average of $150 per year to cover off an unsupportable fraud loss figure?"

5 Exhibits


EXHIBIT NO. 1105/0220 BRIAN FRANCIS - Written submission, email dated June 19, 2012 entitled "The proposed new educational requirement and time commitment might deter some of them from continuing to perform these assessments."

EXHIBIT NO. 1/05/022P BRIAN FRANCIS - Written submission, email dated July 6, 2012 entitled "Worse, for Wawanesa, the judge called the allegation of fraud opportunistic and more a product of legal strategy than factual reality."

EXHIBIT NO. 1/05/022Q BRIAN FRANCIS - Written submission, email dated July 8, 2012 entitled "proof of loss - revisited."

EXHIBIT NO. 11051023 D. ARCHIBALD - Written submission, email dated June 25, 2012 entitled "Insurance costs."

EXHIBIT NO. 1105/024 GAIL RUPERT - Written submission, email dated June 26, 2012 entitled "Auto Insurance Industry Study."

EXHIBIT NO. 1105/025 TIM ISHERWOOD - Written submission, email dated June 26, 2012 entitled "Insurance Costs in Ontario."

EXHIBIT NO. 11051026 TOWN AND COUNTRY APPRAISALS (S.S.M.) Ltd. -Written submission dated June 26, 2012.








GORDON PRENTICE - Written submission, email dated June 27, 2012 entitled "Study relating to the auto insurance industry."

DIMPLE CHHABRA - Written submission, email dated June 28, 2012 entitled "Auto insurance in Brampton."

DWIGHT D' ABREO - Written submission, letter dated June 28, 2012.

ANNE A. NYKOLA YCHUK - Written submission, letter dated July 1, 2012 entitled "Auto Insurance Industry's Practices."

ROGER J. VAN GREUNE - Written submission, email dated July 1, 2012 entitled "Insurance rate hearings BRAMPTON."

BOB MAAN - Written submission, email dated July 1, 2012 entitled "Study Relating to Auto Insurance."

A. RODRIGUES - Written submission, email dated July 2, 2012 entitled "Study relating to the auto insurance industry."















6 Exhibits


NAVTEJ SINGH DUGGAL -Written submission, email dated July 2, 2012 entitled "study relating to auto insurance industry."

DALIP S. SIDHU - Written submission dated July 3, 2012 entitled "Hearing Auto Insurance, How to make it affordable."

VIC HENDERSON - Written submission, email dated July 3, 2012 entitled "Study on the Auto Insurance Industry."

L. ZUL TEK - Written submission, email dated July 3, 2012 entitled "auto insurance industry."

MONICA LAU - Written submission, email dated July 4, 2012 entitled "Study relating to the auto insurance industry."

PETER WELLS - Written submission, letter dated July 4, 2012.

LARRY MCGEE - Written submission, email dated July 6, 2012 entitled "Finance and Economic Affairs committee Auto Insurance."

BODY SHOP ASSOCIATION - Written submission, letter with 4 articles attached, dated July 7, 2012.

SIMONE LAZAROU - Written submission, email dated July 12, 2012.

FACILITY ASSOCIATION - Written submission, letter dated July 12,2012.

EILEEN WISCOMBE - Written submission, email dated July 10, 2012 entitled "Auto Insurance Hearings."

THE ADVOCATES' SOCIETY - Written submission, email dated June 30, 2012 entitled "Study of the Automobile Insurance Industry."

THE AUTOMOTIVE INDUSTRIES ASSOCIATION (AIA) OF CANADA - Written submission dated July 12, 2012 entitled "comments on the study relating to the auto insurance industry."

PUNJAB INSURANCE INC. - Written submission, email dated July 12, 2012.




EXHIBITNO. 1/05/051













7 Exhibits


GERALD S.G. WEBB - Written submission, letter dated July 5, 2012 and copies of supporting documents.

MOIRA MACGREGOR - Written submission, letter dated July 6, 2012.

BRAIN INJURY SERVICES OF NORTHERN ONTARIO (BISNO) - Written submission.

SUE DOHERTY - Written submission, email dated July 11 , 2012 entitled "study relating to the auto insurance industry."

JOHN VERBAAS - Written submission, email dated July 11, 2012 .

ERICA PHILLIPS - Written submission.

CANADIAN ASSOCIATION OF DIRECT RELATIONSHIP INSURERS (CADRI) - Written submission dated July 11 , 2012.

F AREED AHMED - Written submission, email dated July 9, 2012.

VICTORIA TRANSPORT POLICY INSTITUTE - Written submission dated July 9, 2012.

ANGELA MARSHALL - Written submission, email dated July 10, 2012 .

GLENN CROWE - Written submission, letter dated July 10, 2012.

TIM CRAWFORD - Written submission, email dated July 9, 2012.

JACQUELINE CHOUINARD - Written submission, letter dated July 9, 2012 .

DORIS WOOD - Written submission.

LEGISLATIVE RESEARCH SERVICE - Memorandum entitled "Auto Insurance Hearings - Background Information" dated May 25 , 2012.

JAGMEET SINGH, MPP - Letter filed with the Committee regarding Bill 45, dated May 27, 2012 .

8 Exhibits


EXHIBIT NO. 1/05/064A FINANCIAL SERVICES COMMISSION OF ONT ARIO -Submission, speaking notes for Philip Howell dated May 28, 2012.

EXHIBIT NO. 1/05/064B FINANCIAL SERVICES COMMISSION OF ONTARIO -Submission, presentation slides dated May 28, 2012.

EXHIBIT NO. 1/05/064C FINANCIAL SERVICES COMMISSION OF ONTARIO -Submission, bound document entitled "Submission to the Standing Committee on General Government" dated May 28, 2012.

EXHIBIT NO. 11051065 COALITION OF REGULA TED HEAL TH PROFESSIONALS IN AUTO INSURANCE - Submission, presentation slides.

EXHIBIT NO. 1/05/066A INSURANCE BUREAU OF CANADA - Submission, folder containing booklets entitled "Ontario ' s P&C Insurance Industry: Strengthening the Cluster"; "Accident Benefits Coverage in Ontario"; and "Ontario Auto Insurance: Frequently Asked Questions."

EXHIBIT NO. 1/05/066B INSURANCE BUREAU OF CANADA - Submission, poster displaying graphics regarding auto insurance.

EXHIBIT NO. 1/05/067 ONTARIO SPINAL CORD INJURY SOLUTIONS ALLIANCE - Submission, folder labeled "Canadian Paraplegic Association Ontario" containing document entitled "Proposed Changes to Catastrophic Impairment Definition"; document entitled "Outcome Measures in Spinal Cord Injury"; document entitled "Autonomic Standards and SCI: Preliminary Considerations"; memo dated May 28, 2012, and document entitled "Response to Final Report of the Catastrophic Impairment Expert Panel to the Superintendent."

EXHIBIT NO. 1/05/068 ONTARIO PSYCHOLOGICAL ASSOCIATION - AUTO INSURANCE TASK FORCE - Submission, presentation slides.




BROWN AND KORTE - Submission, document entitled "Stability in the Auto Insurance Industry."

TOM SUDAK - Written submission, letter dated May 21, 2012.

RAJAPAKSHA M.D. PREMARA THNA Written submission, letter dated May 20, 2012.









9 Exhibits


RON BONOTTO - Written submission, letter dated May 24, 2012.

RON AND DONNA EABONI - Written submission, email dated May 20, 2012.

LYNN ANTOINE - Written submission, email dated May 22, 2012.

LEO OSPINA - Written submission, email dated May 16, 2012.

TAMARA FORBES - Written submission, document entitled "A New Idea for Ontario's Auto Insurance Scheme: Perspectives of a Case Manager."

P.M. VASUDEV - Written submission, email and attached C.V. dated May 22, 2012.

ELISABETH WOJTAS - Written submission, email dated May 18, 2012 .

INSURANCE BROKERS ASSOCIATION OF ONT ARIO -Submission, folder containing document entitled "Summary of Survey Results"; pamphlet entitled "Insurance Fraud Affects Us All"; document entitled "IBAO Response to CCIR Consultation Paper 'Use of Credit Scores by Insurers ' " ; presentation slides entitled "Feb. 2012 Ontario Omnibus Poll"; and speaking notes for Bryan Yetman.

EXHIBIT NO. l/05/080A ALLIANCE OF COMMUNITY MEDICAL AND REHABILITATION PROVIDERS - Submission, document entitled "Auto Insurance in Ontario - Position Paper, May 2012."

EXHIBIT NO. l/05/080B ALLIANCE OF COMMUNITY MEDICAL AND REHABILITATION PROVIDERS - Submission, document entitled "Tri-Association Survey Backgrounder."

EXHIBIT NO. l/05/080C ALLIANCE OF COMMUNITY MEDICAL AND REHABILITATION PROVIDERS - Submission, document entitled "Response to the Final Report of the Catastrophic Impairment Expert Panel to the Superintendent (April 8, 2011)."


10 Exhibits


BARON INSURANCE SERVICES INC. - Submission, presentation slides.

EXHIBIT NO. l/05/082A J. DOUGLAS SALMON - Submission, speaking notes for J. Douglas Salmon.

EXHIBIT NO. l/05/082B MILAN UNARKET - Submission, speaking notes for Milan Unarket.

EXHIBIT NO. l/05/083A FINANCIAL SERVICES COMMISSION OF ONTARIO -Written submission, letter dated May 30, 2012 with attached documents filed as a follow up to May 28, 2012 presentation.

EXHIBIT NO. l/05/083B FINANCIAL SERVICES COMMISSION OF ONT ARIO -Written submission, document entitled "Key Definitions" filed as a follow up to May 28, 2012 presentation.

EXHIBIT NO. l/05/083C FINANCIAL SERVICES COMMISSION OF ONTARIO -Written submission, document entitled "Bulletin No. 2011-15 Automobile Exhibits" dated June 22, 2011 filed as a follow up to May 28, 2012 presentation.

EXHIBIT NO. 1/05/083D FINANCIAL SERVICES COMMISSION OF ONTARIO -Written submission, document entitled "Bulletin No. 2011-37 Automobile Exhibits" dated August 24, 2011 filed as a follow up to May 28, 2012 presentation.

EXHIBIT NO. 1/05/083E

EXHIBIT NO. l/05/083F




FINANCIAL SERVICES COMMISSION OF ONTARIO -Written submission, document entitled "Bulletin No. 2011-56 Automobile Exhibits" dated December 14, 2011 filed as a follow up to May 28, 2012 presentation.

FINANCIAL SERVICES COMMISSION OF ONTARIO -Written submission, document entitled "Automobile Insurance Experience: Supplementary Loss Development Exhibit -Private Passenger Automobile Excluding Farmers" filed as a follow up to May 28, 2012 presentation.

KIM LAMONT AND ASSOCIATES - Written submission, letter dated May 29, 2012.

AUTOMOBILE REPAIR REGULATORY COUNCIL -Written submission, letter dated May 29, 2012.

JUSTIN MOY - Written submission, letter with subject heading "Auto Legislation Discussion - Thoughts and Concerns."
















EXHIBITNO. 1/05/102

11 Exhibits


ELEMENTS SUPPORT SERVICES - Written submission, letter dated May 29, 2012.

JOHN HART - Written submission, letter dated May 27, 2012.

PRISCILLA STANLEY - Written submission, letter.

BRENDA POWER AHMAD - Written submission, email dated May 28, 2012.

JULIE ENTWISTLE - Written submission, email dated May 29,2012.

LISA MCNEIL - Written submission, letter dated May 28, 2012.

BEYOND WORDS SPEECH-LANGUAGE PATHOLOGY -Written submission, letter dated May 29, 2012.

S.L. HUNTER AND AS SOCIA TES - Written submission, letter dated May 29, 2012.

MAUREEN PALMER - Written submission, email dated May 28, 2012.

NEIL MATHEWS - Written submission, email dated May 29, 2012.

RHONA FELDT-STEIN - Written submission, letter dated May 29, 2012.

SOBIY A SYED - Written submission, email dated May 28, 2012.

ONTARIO BRAIN INJURY ASSOCIATION - Written submission, letter dated May 29, 2012.

NIRAJ JOSHI - Written submission, email dated May 29, 2012.

COMPLEX INJURY REHAB INC. - Written submission, letter dated May 30, 2012.

TRA VEN MATCHETT - Written submission, letter with attached package of correspondence.

12 Exhibits


EXHIBIT NO. 11051103A BRIAN FRANCIS - Written submission, email dated May 29, 2012 with subject heading "Submission to the Standing Committee on General Government regarding the tired, unsupported assertion that fraud costs Ontario auto insurers $1.3 billion per year."

EXHIBIT NO. 11051103B BRIAN FRANCIS - Written submission, email dated May 29, 2012 with subject heading "Submission to the Standing Committee re: conflicting auto insurance lobby assertions regarding sky-rocketing assessment costs."

EXHIBIT NO. l/05/103C BRIAN FRANCIS - Written submission, email dated May 29, 2012 with subject heading "Question to the Standing Committee re: the Task Force study into the scope and extent of opportunist fraud (tallying up fraudulent accusations of opportunistic fraud) ."

EXHIBIT NO. l/05/103D BRIAN FRANCIS - Written submission, email dated May 29, 2012 with subject heading "Standing Committee submission re: when the auto insurers fraud talk morphs into the stuff of a Stephen King novel."

EXHIBIT NO. l/05/103E BRIAN FRANCIS- Written submission, email dated May 29, 2012 with subject heading "Manipulation and fraud in health care clinics increase auto insurance premiums for all Ontario drivers."

EXHIBIT NO. 1/051103F BRIAN FRANCIS - Written submission, email dated May 29, 2012 with subject heading "Submission to the Standing Committee - a question that Committee needs to ask in order to weigh the credibility of ongoing stakeholder assertions on auto insurance fraud."

EXHIBIT NO. l/05/103G BRIAN FRANCIS - Written submission, email dated May 29, 2012 with subject heading "CSME mission statement as per the Medical Post - to protect the financial health of auto insurers by providing them with objective, highly qualified assessments."

EXHIBIT NO. l/05/103H BRIAN FRANCIS- Written submission, email dated May 29, 2012 with subject heading "Submission to the Standing Committee - 'misleading statements' revisited."

EXHIBIT NO. 1/05/l 031 BRIAN FRANCIS - Written submission, email dated May 29, 2012 with subject heading "Submission to the Standing Committee - brazenly discriminatory claims handling practices."

13 Exhibits


EXHIBIT NO. 1/05/103J BRIAN FRANCIS - Written submission, email dated May 29, 2012 with subject heading " ... there is a dark underbelly in the Ontario auto insurance IME business ... many patients are being profoundly mistreated."

EXHIBIT NO. 1/05/103K BRIAN FRANCIS - Written submission, email dated May 31 , 2012 with subject heading "IBC assertions to Standing Committee have no basis in reality - three examples."

EXHIBIT NO. 1/05/103L BRIAN FRANCIS - Written submission, email dated June 1, 2012 with subject heading "Standing Committee - Why didn't Marchese ask Yurek where the $1.3 billion number comes from."

EXHIBIT NO. 1/05/103M BRIAN FRANCIS - Written submission, email dated June 1, 2012 with subject heading "The Committee doesn' t need to hear from the stakeholders - simply listen to the judges and arbitrators - here the latest FSCO example."

EXHIBIT NO. 1/05/103N BRIAN FRANCIS - Written submission, email dated June 3, 2012 with subject heading "injured victims of substandard auto insurer assessments (which paint them as opportunistic fakers) are legion."

EXHIBIT NO. 1/05/1030 BRIAN FRANCIS - Written submission, email dated June 4, 2012 with subject heading "has the Task Force sought input from the CPSO and HPARB."

EXHIBIT NO. 1/05/103P BRIAN FRANCIS - Written submission, email dated June 4, 2012 with subject heading "no lawyer tweets re this column."

EXHIBIT NO. 1105/103Q BRIAN FRANCIS - Written submission, email dated June 5, 2012 with subject heading "in the last decade there have been only three injured Ontario auto accident victims who have been less than "delighted" with their "treatment" -what??????"




ALLS TA TE INSURANCE - Written submission, document entitled "Allstate Claims Data: 2007-2012 Ontario" filed as a follow up to May 28, 2012 presentation regarding Auto Insurance.

ALERT BEST NURSING INC. - Written submission dated June 4, 2012.

NEUROLOGIC REHABILITATION INSTITUTE OF ONTARIO (NRIO) - Written submission dated May 30, 2012.

14 Exhibits


EXHIBIT NO. 1105/107 RHONA DESROCHES - Written submission dated June 1, 2012.

EXHIBIT NO. 1/05/108A HEALTH SERVICE MANAGEMENT (HSM) - Written submission dated May 31, 2012.

EXHIBITNO. l/05/108B HEALTH SERVICE MANAGEMENT (HSM) - Written submission, resume for Viivi Riis.

EXHIBIT NO. 1/051109 STRUCTURED SETTLEMENTS GROUP INC. Submission, document containing speaking notes dated June 10, 2012 for Douglas J. Mitchell and excerpt from a canadian textbook written by John Weir.

EXHIBIT NO. 11051110 GERRY KYLIE AND BRYAN YETMAN - Submission, speaking notes dated July 10, 2012 for Gerry Kylie.

EXHIBIT NO. 1/05/ 111 ONT ARIO PSYCHOLOGICAL ASSOCIATION (OPA) AND CANADIAN ASSOCIATION OF PSYCHOLOGISTS IN DISABILITY ASSESSORS (CAPDA) - Powerpoint slides dated July 10, 2012.

EXHIBIT NO. l/05/l 12A ONTARIO BRAIN INJURY ASSOCIATION (OBIA) -Submission, speaking notes for Steve Noyes.

EXHIBIT NO. l/05/ l 12B ONTARIO BRAIN INJURY ASSOCIATION (OBIA) -Submission, document dated July 10, 2012 entitled "education . awareness . support."

EXHIBIT NO. l/05/113A HEALTH SERVICE MANAGEMENT (HSM) - Submission dated July 10, 2012.

EXHIBIT NO. 1/05/113B HEALTH SERVICE MANAGEMENT (HSM) - Submission, resume for Viivi Riis.

EXHIBIT NO. 1/05/114 COLLISION INDUSTRY INFORMATION ASSISTANCE (CIIA) - Submission, speaking notes dated July 10, 2012 for John Norris.



EDWARD ROMANIUK - Submission, speaking notes dated July 10, 2012.

HARJIT JASW AL - Submission, document entitled "Auto Insurance Concerns."


15 Exhibits


HUGHES INTELLIGENCE INVESTIGATION SERVICES -Submission, speaking notes dated July 11 , 2012 for Barry Bentley.

EXHIBIT NO. 1/05/1l8A MICHEL LACERTE - Submission, speaking notes dated July 11,2012.

EXHIBIT NO. 1/05/118B MICHEL LACERTE - Submission, document entitled "Disability Prevention and Management."

EXHIBITNO. 1/05/119A THE HONOURABLE HOWARD RUSSELL PAWLEY -Submission, speaking notes dated July 11, 2012.

EXHIBITNO. 1/05/ 119B THE HONOURABLE HOWARD RUSSELL PAWLEY -Written submission, document entitled "Manitoba Public Insurance."


EXHIBIT NO. 1/05/ 121


VICTORIA CROSS - Submission, speaking notes dated July 11 , 2012.

BRAIN INJURY ASSOCIATION OF WINDSOR- ESSEX COUNTY - Submission, speaking notes dated July 9, 2012 for Nancy Nicholson.

FINANCIAL SERVICES COMMISSION OF ONTARIO (FSCO) - Written submission, supplementary information dated August 16, 2012 relating to presentation on July 9 by Philip Howell. Distributed electronically on August 16, 2012 .

EXHIBIT NO. 1/05/123A LEGISLATIVE RESEACH SERVICE - Review of the Auto Insurance Industry - Summary of Public Hearings dated August 17, 2012. Distributed electronically on August 17, 2012.

EXHIBIT NO. 1/05/123B LEGISLATIVE RESEACH SERVICE - Memo entitled "Auto insurance review - committee research request" dated August 17, 2012 and attached letter dated August 16, 2012 from Philip Howell, Financial Services Commission of Ontario. Distributed electronically on August 17, 2012.

Documents

ST ANDING COMMITTEE ON FINANCE AND …2012 and attached newspaper clipping dated June 3, 2012. ANDREWS. MYERS - Written submission, letter dated June 11,2012. CATASTROPHIC INJURY MANAGEMENT,