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Bill 44, Ending Automobile Insurance Discrimination in the Greater Toronto Area Act, 2018

Singh, Gurratan

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Status

Debates

Acts affected

Original

Bill 44 Original (PDF)

EXPLANATORY

NOTE

The

Bill amends the Insurance Act in order to

prevent residents of the Greater Toronto Area from paying different rates for

automobile insurance based solely on the municipality or area in which they

reside in the Greater Toronto Area.

Amendments

require the Superintendent

to refuse to approve a risk classification system used in determining the rates

for each coverage and category of automobile insurance if the system considers

the geographic region as a determinant and fails to consider the Greater

Toronto Area as a single geographic area. The amendments also prohibit

insurers from entering into contracts of insurance that provide for insurance

rates that were determined based on such a risk classification system.

Bill 44 2018

Act to amend the Insurance Act to prevent Discrimination with respect to Automobile

Insurance Rates in the Greater Toronto Area

Her

Majesty, by and with the advice and consent of the Legislative Assembly of the

Province of Ontario, enacts as follows:

The Insurance Act is amended by adding the

following section:

Refusal,

certain risk classification systems

410.1

(1) The

Superintendent shall refuse to approve an application made by an insurer under

section 410 if,

(

a) the

risk classification system that the insurer intends to use in determining the

rates for each coverage and category of automobile insurance,

(

i) considers

the geographic region in which a person resides as an element in classifying

risks for a coverage or category of automobile insurance, and

(ii) fails

to consider the Greater Toronto Area as a single geographic area but rather

considers municipalities or other areas within the Greater Toronto Area as

separate geographic areas for purposes of classifying risk for a coverage or

category of automobile insurance; and

(

b) as

a result of differentiating between the various municipalities and areas within

the Greater Toronto Area, the risk classification system would allow for a rate

for a particular coverage or category of automobile insurance in one municipality

or area within the Greater Toronto Area that differs from the rate for the same

coverage or category in another municipality or area within the Greater Toronto

Area.

Prohibition

against certain automobile insurance contracts

(2) No

insurer shall enter into or renew, or offer to enter into or renew, a contract

for a coverage or category of automobile insurance with a prospective insured

who is a resident in the Greater Toronto Area if,

(

a) the

determination of the rate for the particular coverage or category required

under the contract was based on a risk classification system described in

clause (1) (a); and

(

b) the

rate for the coverage or category required under the contract would be

different if the insured resided in a different municipality or area within the

Greater Toronto Area.

Definition,

Greater Toronto Area

(3) In

this section,

“Greater

Toronto Area” means the geographic area composed of the City of Toronto and the

regional municipalities of Durham, Halton, Peel and York.

Commencement

This Act comes into force on the day it receives Royal Assent.

Short

title

The

short title of this Act is the Ending Automobile

Insurance Discrimination in the Greater Toronto Area Act, 2018 .

Date Bill stage Event Outcome Committee

November 1, 2018

Second Reading

Vote

Lost on division

November 1, 2018

Second Reading

Debated

October 16, 2018

First Reading

Vote

Carried

Debates and Progress

First Reading

October 16, 2018

Committee

Second Reading

November 1, 2018

Mr. Gurratan Singh, Mr. Michael Pars, Mr. Tom Rakocevic, Miss Christina Maria Mitas, Ms. Sara Singh, Mrs. Nina Tangri, Mr. Faisal Hassan

November 1, 2018

November 1, 2018

Lost on recorded division.

Committee

Third Reading

Royal Assent

Acts affected - Bill 44

Most Ontario public acts are available electronically; to view copies of the Acts to be amended by this bill visit e-laws

Insurance Act

Legislative Assembly of Ontario

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