it has now been 10 years since my accident. Not my fault. Certas deemed my catastrophic, salvaged my car. They have refused to pay accident or car replacement which I had on my policy. They accident happened in Michigan so they used Michigan law to deny my benefits which they can not do under the Ontario Insurance Act or under Michigan Insurance Code. They even conducted a sham they called a trial in Michigan. They only thing that can be decided in Michigan is who is at fault, that was never in question, what Certas arranged was that a decision that I was not entitled to accident benefits was issued. When you think you are protected, you drive defensively, you get so hurt that you are cantastrophic, Certas puts up a defense to your accident benefits which is against the Insurance act section 45.1 (1) (2).