Start with the adjuster
Ask for the policy provision, Fault Determination Rule or claim reason relied on.
Use the insurer's complaint process
FSRA directs unresolved complaints to the insurer's complaint officer.
FSRA can receive regulatory complaints
FSRA oversees insurer and intermediary conduct but does not replace every dispute-resolution process.
Accident-benefit disputes have a tribunal route
The Automobile Accident Benefits Service at Tribunals Ontario handles eligible disputes over accident benefits.
Ontario-specific educational summary. Your actual rights and coverage come from the Insurance Act, regulations, the current Ontario Automobile Policy (OAP 1), your certificate, endorsements and the facts of the claim. Do not change coverage based only on a general web article.