Drivers unsure of how to prevent a collision with wildlife

A new national survey from State Farm Canada sheds light on how Canadians react to wildlife while driving.

About 1 in 3 drivers do not feel confident that they would know how to avoid a collision with a large animal, and over 80 per cent believe that better public education about how to react to wildlife on the road is needed to prevent collisions that could lead to injuries and fatalities.

According to the survey, when seeing a deer in the middle of a two-lane highway, Canadians are most likely to brake (66 per cent) or take their foot off the gas (55 per cent). More than one-third indicated they would honk their horn and one-quarter said they would swerve.

“The unpredictability of these situations, combined with human impulses to try to preserve the lives of these animals makes these situations difficult and dangerous,” says John Bordignon, Media Relations, State Farm Canada. “In fact, according to police and road safety experts, swerving is not the best strategy when approaching wildlife on the road. Instead, they advise drivers to maintain their line, even if it’s toward the animal, and firmly apply the brakes. Swerving could send you into the path of an oncoming vehicle or cause you to lose control of your car.”*

More Education Needed

The survey indicates that Canadians want and need more education on how to deal with wildlife on our roads. The most likely time to encounter wildlife is at dusk or dawn, in October and November, on two-lane rural highways with speeds of 80 km/h or more1. From an insurance perspective the average auto damage claim after hitting an animal is $4500 2.

State Farm Canada’s long-time partner and road safety experts, The Traffic Injury Research Foundation (TIRF), have developed an online information centre focused on road safety and wildlife. The Wildlife Roadsharing Resource Centre (WRRC) profiles tips on wildlife collision prevention, how to respond to animals on the road, tips for when a collision with wildlife is unavoidable and advice on what to do after a collision.** Specifically, TIRF has produced a fact sheet to address some of the common myths and misconceptions around wildlife vehicle collisions.

Fast Facts

  • More than 25 percent of survey respondents have hit a small animal on the road while driving
  • More than 25 per cent have either hit or nearly hit a large animal while driving
  • More than half of respondents who said they had hit a large animal had damage to their car
  • More than 80 per cent of respondents claim they slow down when they see road signs for wildlife in the area
  • Most respondents believe either evening (46 per cent) or night (36 per cent) is the most likely time to hit an animal on the road

Additional Resources

This is the final of three news releases State Farm will distribute in 2017 revealing survey results and the opinions of Canadians about their driving habits and road safety.


To find out more about how State Farm works to improve road safety in Canada, please visit

About the Survey

The online survey, conducted in March 2017, polled 3,061 respondents of driving age across Canada.

About the Traffic Injury Research Foundation (TIRF)

Established in 1964, TIRF’s mission is to reduce traffic-related deaths and injuries. As a national, independent, charitable road safety institute, TIRF designs, promotes, and implements effective programs and policies, based on sound research. TIRF is a registered charity and depends on grants, contracts, and donations to provide services for the public. Visit us online at

About State Farm Canada

In January 2015, State Farm Canada operations were purchased by the Desjardins Group, the leading cooperative financial group in Canada and among the three largest P&C insurance providers in Canada. With approximately 500 dedicated agents and 1700 employees, the State Farm division provides insurance and financial services products including mutual funds, life insurance, vehicle loans, critical illness, disability, home and auto insurance to customers in Ontario, Alberta and New Brunswick. For more information, visit, join us on Facebook – – or follow us on Twitter –

*This information is provided for informational purposes only. Neither State Farm nor Certas Home and Auto Insurance Company, nor any of its or their affiliates, shall be liable for any damages arising from any reliance upon such information or advice. Its is recommended that an expert be consulted for comprehensive, expert advice.

** Neither State Farm nor Certas Home and Auto Insurance Company, nor any of its or their affiliates is responsible for the contents of and make no warranties or representations about the contents, products or services offered on

®State Farm and related trademarks and logos are registered trademarks owned by State Farm Mutual Automobile Insurance Company, used under licence by Certas Home and Auto Insurance Company.
©Copyright 2017, Certas Home and Auto Insurance Company.

1,2 Wildlife Roadsharing Resource Centre, Traffic Injury Research Foundation,

SOURCE State Farm

SGI received more than 2500 claims from wind storm

Provincial insurer SGI says it’s received more than 2,500 claims following last week’s wind storm in Saskatchewan.

SGI says about 1,800 claims are for property damage and the rest are for vehicle damage.

SGI’s Tyler McMurchy says claims are up from the 1,100 filed the day after the storm.

McMurchy says claims are starting to taper off but he expects the total to rise and is urging people to file as soon as possible.


Man’s teeth broken during gastroscopy

Excerpted article was written By Luke Hendry

Tilley, 75, underwent a gastroscopy and a colonoscopy Jan. 27 at Belleville General Hospital.

There he completed the required paperwork detailing his medical history, including noting his teeth were capped.

But upon awaking from sedation, Tilley said, a nurse told him she had bad news for him.

The nurse handed him a plastic bottle containing pieces of his teeth. His two top central incisors were missing.

“What the hell happened?” he asked her.

Tilley said he then learned he had apparently bitten the bite block, a small device inserted into the patient’s mouth to prevent damage to the gastroscope.

In an Intelligencer interview, Tilley discussed his case calmly, showing no anger, only a sense of disbelief at injury and the aftermath.

He said he’s since been through the uncomfortable ordeal of having the missing teeth replaced with implants and a confusing process of trying to get answers and compensation.

“Am I the only person this has happened to?” he asked. “I can’t be.” Tilley said he’s curious to know if any other patients with similar experiences have been compensated.

Quinte Health Care community relations manager Catherine Walker declined The Intelligencer’s request to interview hospital officials.

They cannot discuss specifics of patient care, she wrote via e-mail.

“In healthcare, we try to take all precautions to mitigate as many risks as possible to reduce the chance of complications occurring,” Walker wrote.

“With any surgical procedure there are risks involved and our medical professionals discuss both the risks and the benefits with our patients in advance of any procedure.

“We do more than 10,000 endoscopy procedures annually at BGH and PECMH (Prince Edward County Memorial Hospital) – approximately 3,000 of those are gastroscopies.”

Walker continued by saying problems do occur during such procedures but “in the vast majority of cases” there are no complications.

Tilley said his teeth were in good shape prior to the gastroscopy.

Replacing them through dental surgery was another matter.

“I went through hell,” he said. “This guy’s in my mouth with a hammer and a chisel, trying to break the roots out.”

He said he went through multiple appointments and suffered a health complication after that process.

But seven months later, and after using a temporary “flipper” insert to replace his missing teeth, his lost teeth have been replaced with implants. Tilley said he’s now comfortable and able to eat normally.

“It was not cheap,” said Tilley. “Of course I want to be compensated.”

He would not disclose the cost.

Tilley said he wasn’t interested in the grief of pursuing legal proceedings or filing a formal complaint against doctors. But he said he’s been frustrated by the lack of answers and the inability to recoup his costs – either from the hospital, the doctors, or the Ontario Health Insurance Plan (OHIP).

“I pay OHIP,” he said, referring to the Ontario Health Insurance Plan.

“And for something like this to happen, why can I not be compensated?

“I shouldn’t have to have concern or dealings with the internal politics or finances of a hospital.”

He said he merely wants his out-of-pocket expenses to be covered, though he added dryly he wouldn’t be troubled by a larger amount.

Tilley said he met with a Quinte Health Care patient experience specialist within days of his initial procedure and was in turn referred to the corporation’s insurer.

After speaking by telephone with an insurance adjuster, Tilley later received a letter from the insurer, which declined compensation. The letter explained the hospital’s insurance policy does not cover self-employed professionals such as doctors – and that an anesthetist placed the bite block in Tilley’s mouth and a surgeon inserted the scope.

In short, since his complaint didn’t involve hospital staff directly, he’d have to take his claim elsewhere.

Tilley said his lawyer has advised pursuing a legal claim would be a long and costly process.

He also said that, contrary to the insurer’s letter, he recalls no paperwork or discussion informing him of the risk of dental injury. He

Tilley said received no apology and no hospital officials and, after referring him to the insurer, “Quinte Health Care didn’t offer any suggestions or information.”

The corporation’s Catherine Walker said staff work directly with patients “to understand the situation, to apologize for their experience and to come to a resolution.”

Tilley, though, remains unsatisfied.

“We all make mistakes in our businesses. I’ve been there,” said the retired entrepreneur.

“This wasn’t my fault. Somebody, I feel, should be responsible.”

Source: , The Intelligencer

Exploding sunroofs: Complaints are soaring-here are the car brands and models involved

 | Global News

Shayla Lovic and her husband, from Brampton Ont., were driving to a doctor’s appointment for their then three-month-old daughter on a quiet February morning this year when they heard what sounded like “an explosion.”

The roof of their 2016 Volkswagen Jetta had just shattered into tiny pieces. When Lovic, still confused about what had happened, turned to the rear passenger seat, she saw her infant daughter covered in glass, the 26-year old marketing manager recently recalled in an interview with Global News.

“At that point, I freaked out.”

The baby was unharmed, it turned out, but the sunroof shattering caused the car, which was traveling on Highway 427, to swerve. Thankfully it was around midday and there were no other vehicles around, she said.

Lovic’s story, which made news at the time, isn’t the first of its kind – or even the first to have made it to the media. Global News has reported on a number of such cases, including, most recently, that of Jim Ashe, a Calgary realtor, who in 2015 also got a scare from a loud noise while driving and pulled over to find the sunroof of his Buick shattered.

But instances of shattering sunroofs are becoming more and more common on Canada’s roads, according to data provided to Global News by Transport Canada.

The number of such complaints went from zero in 2007 to over 110 in 2016. The tally as of Oct. 16 of this year stood at 103 incidents.

Transport Canada has recorded 351 complaints about shattering sunroofs since the year 2000. Here are the affected car brands and models:

Brand # of Complaints Model # of Complaints
BMW 32 3 SERIES (BMW) 13
DODGE 7 X5 (BMW) 6
RAM 2 F150 (FORD) 4
Total (Oct 16, 2017) 351 SRX (CADILLAC) 4
CX-9 (MAZDA) 3

South of the border, Americans have filed over 850 complaints about shattering sunroofs with the U.S. federal government between 1995 and September of 2017, according to Consumer Reports.

Read Full Article Here: 


Manulife Vitality program now offering Apple Watch, encouraging members to live a more active lifestyle

Manulife today announced the launch of its new Manulife Vitality Active Rewards with Apple Watch program, a further enhancement to the Manulife Vitality program. The program motivates Canadians who have purchased Manulife Vitality program linked life insurance, to get more active by offering them the opportunity to earn Vitality points and get Apple Watch Series 1Apple Watch Series 3 (GPS) and Apple Watch Series 3 (GPS + Cellular) when they meet physical activity targets through their insurance contract.

Manulife redefined life insurance in 2016 with the introduction of the Manulife Vitality program, which allows members to save significantly on their premiums and earn valuable rewards by taking small steps to live healthy lives, like walking, exercising or getting regular check-ups.

“By growing our Manulife Vitality program and offering it to new and existing members, we are continuing our promise of helping Canadians to live a long, healthy, active and fulfilled life,” said Michael Doughty, President and Chief Executive Officer, Manulife Canada. “By offering Apple Watch, we are helping Canadians be active and live healthier today, while aiming to protect their financial future.”

“The data from U.S. Apple Watch users is encouraging – we’ve motivated Vitality members to be more active, with the number of active days per week increasing by 40 per cent,” said Tal Gilbert, CEO of Vitality Group USA. “Not only have we seen people getting more active, we’ve seen the largest increases in the most at-risk populations, and we’ve seen those improvements persist over time with the program running for over a year now.”

Get Apple Watch. Get Active. Get Rewarded.
Through the Manulife Vitality Active Rewards with Apple Watch program, members who want to participate simply sign up, choose their Apple Watch, pay an initial activation fee (plus tax), and then receive an Apple Watch to get started. Whether they like to walk, run, bike, swim or hit the gym, it’s easy for participants to track their activities and earn Vitality Points that go towards monthly payments for their watch over two years. Members will be able to fund their Apple Watch by meeting monthly Vitality Active Rewards targets that are achievable over 24 months.

John Hancock Vitality life insurance also expands Apple Watch Program – Part of global initiative to encourage healthy living of policyholders
Today, Manulife’s U.S. division, John Hancock also announced an expansion of its Vitality program. It is expanding the Apple Watch program, launched last year, to all new and existing John Hancock Vitality life insurance policyholders. Now, in addition to permanent life insurance buyers, the four million Americans who buy lower-cost term life insurance every year will have the opportunity to protect their financial future for less than $15/month1, while earning an Apple Watch, for achieving monthly physical activity goals and making healthy lifestyle choices.

1 Varies based on age, amount of coverage, underwriting status and term period selected.

For further information on the Manulife Vitality Active Rewards with Apple Watch program, please visit: or for advisors,

About Vitality
Vitality changes the economics of healthcare by integrating expertise in wellness, insurance, and technology to change behaviors to improve health. By driving engagement in healthier lifestyles, Vitality provides benefits from day one to members, employers, and society. Vitality brings a global perspective through successful partnerships with employers of all sizes and best-in-class insurers around the world, in countries including the United StatesUnited KingdomGermanyFranceSouth AfricaChinaSingaporeAustraliaHong KongThailandMalaysiathe Philippines and Japan. Drawing on behavioral economics, Vitality supports, guides and incentivizes individuals to improve their health, and then prices their risk dynamically over time based on their engagement in the Vitality program. This shared value insurance model results in material benefits shared between the employer (lower health claims), insurer (more profits), members (greater health and financial rewards) and society (a healthier, more productive workforce).

Vitality Group is a member of Discovery Ltd., a global financial service organization and pioneer of the Shared-value Insurance model. The Vitality program currently serves more than 7 million members in 14 countries around the world with plans to launch in an additional 10 markets over the next two years. For more information about Vitality Group, please visit and follow on Twitter: @VitalityUSA.

About Manulife
Manulife Financial Corporation is a leading international financial services group that helps people achieve their dreams and aspirations by putting customers’ needs first and providing the right advice and solutions. We operate as John Hancock in the United States and Manulife elsewhere. We provide financial advice, insurance, as well as wealth and asset management solutions for individuals, groups and institutions. At the end of 2016, we had approximately 35,000 employees, 70,000 agents, and thousands of distribution partners, serving more than 22 million customers. As of June 30, 2017, we had over $1 trillion (US$780 billion) in assets under management and administration, and in the previous 12 months we made $26.7 billion in payments to our customers. Our principal operations are in AsiaCanada and the United States where we have served customers for more than 100 years. With our global headquarters in Toronto, Canada, we trade as ‘MFC’ on the TorontoNew York, and the Philippine stock exchanges and under ‘945’ in Hong Kong.

SOURCE Manulife Financial Corporation

Think you’re paying too much for insurance? Blame your neighbours


If you live in Ontario and think you pay too much for auto insurance, what if I told you your biggest problem might be your neighbours?

Kanetix is an online insurance comparison marketplace, and a recently released study shows who is getting dinged the most for car insurance. We all know the factors that go into determining how much you’re going to have to pay: The make and model of car you drive, your driving record, and your prior insurance history. What you may not realize is how much another factor comes into play: Geography.

While Ontario drivers pay an average annual premium of $1,316 (that’s the highest in Canada), for some residents that would be a bargain. Brampton tops out as the most expensive city in Ontario, and therefore Canada, at $2,268. Rounding out the top ten are Vaughan ($1,825), Mississauga ($1,788), Markham ($1,785), Toronto ($1,743), Richmond Hill ($1,709), Ajax ($1,519), Hamilton ($1,497), Pickering ($1,450) and Whitby ($1,399).

Insurance companies use statistics; pure numbers. You can whine and complain all you like, but if you’re driving a car that is involved in a significant number of claims, even if they’re not yours, you’ll pay more. Sometimes it’s due to something like the lack of a good security system – older pickups are notoriously overly represented in the Insurance Bureau of Canada’s top ten most stolen lists because they’re easier to steal. That weighs against you when you go to insure one. Sometimes, it’s that same numbers game just working against you, like with the Chevrolet Cruze: There are so many of them on the road, they’re involved in more payouts.

If you live in a city, or a neighbourhood, that takes more from the system than another one, you will pay. If you live in an area that sports more collisions than average, or is more heavily ticketed, you will pay. Janine White is the vice president of Kanetix, and cautions against making sweeping generalizations against entire cities, however.

“The industry breaks it down even more, by postal code. Parts of Toronto are actually even more expensive than Brampton,” she notes. Some are paying more than Brampton. If your postal code begins with M1S (Agincourt North), you’re paying an average of $2,384 per year. M1V (Milliken), $2,384; M1W (L’Amoreaux), $2384; M1B (Malvern), $2,313; M1X (Rouge), $2,313. You can look at postal code census readings and see how many households (M1B, about 20,000) or how few (M1X, about 3,000) can impact your rates.

Read More Here: 

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