282 (1) The Lieutenant Governor in Council may, in accordance with the regulations, assess all insurers that have issued motor vehicle liability policies in Ontario for expenses and expenditures of the Licence Appeal Tribunal relating to disputes described in subsection 280 (1). (ontario.ca)
In McQueen v Echelon General Insurance Co., [5] the Ontario Court of Appeal stated that an object of motor vehicle liability policies is to secure a psychological benefit. (bogoroch.com)
Further, an injured party can not claim against his or her own insurer if the person is entitled to recover money under the third - party liability of any other motor vehicle liability policy. (himpro.ca)