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Allstate tried to cut off auto insurance sales to drivers in Brampton, lawsuit claims

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An Ontario woman is taking one of the province’s biggest insurance providers to court, alleging she was fired for pushing back on the company’s « discriminatory » effort to stop selling plans to drivers who live in Brampton. 

« It’s just wrong. There is no other word for it, » said Medha Joshi. « I said it was wrong, and I was reprimanded for it. »

Late last month, Joshi and her legal counsel, Andrew Monkhouse, filed a suit in Ontario’s Superior Court against Allstate Insurance Canada. Until October, Joshi held the position of agency manager at the company, where she presided over a sales team working out of Allstate’s Milton location.

She was initially hired by Allstate in 2012, though she left for number of months in 2014 to live in the U.K. 

Joshi says that in the late summer, after returning to work from a medical leave for treatment of a number of health conditions diagnosed several months earlier, she learned of an unwritten managerial directive to stop offering auto insurance policies to residents of Brampton. 

« It was very clearly said, in so many words, that there is a lot of fraud that happens in Brampton. That there is a very high number of claims and a very high number of fraudulent claims, » she said in an interview from her home in Rockwood, Ont., near Guelph. 

The explanation did not add up to Joshi. As a veteran in the industry, she had previously worked in downtown Toronto, Kingston and Brampton, before ending up in Milton.

« People are people. There was nothing that walked in through the door in Brampton that was different than any place else, » she said. 

It was clear, she alleges, that the directive targeted visible minorities.

« We know the community that resides in Brampton, and they are visible minorities, » Joshi said. 

The all-comers rule

Relatively high auto insurance are a perennial political issue in Brampton. According to insurance comparison site Kanetix.ca, drivers in the city regularly pay higher premiums for their policies than surrounding jurisdictions. In 2017, for example, Brampton drivers paid 70 per cent more per month for their insurance than the provincial average. 

And it is true that insurance companies have the prerogative to charge varying premiums for people of different ages and genders. However, increases and decreases to insurance premiums are regulated by the Financial Services Commission of Ontario (FISCO) — a company cannot unilaterally change rates. 

But what Allstate was trying to do was different, according to Joshi and Monkhouse. 

Insurance companies operating in Ontario follow what is known as « the all-comers rule. » If an applicant meets a set of criteria laid out by providers and approved by FISCO, they cannot be denied insurance, regardless of where they live or their ethnic background. 

Lawyer Andrew Monkhouse said the case could encourage individual residents in Brampton to launch their own human rights complaints against Allstate Insurance Canada. (Michael Cole/CBC)

« I think it is wrong to be so brazenly biased toward an entire community, » Joshi said. « I didn’t know how, in good faith, to go deliver this direction to my team, to deliver this message that I couldn’t stand behind. »

Those above her in the company made a point not to write any of the new policy down, she alleges. The harder she pushed to get clarification, or to have a manager put into words how the policy should be communicated to staff, the more isolated she became, Joshi said.

« I could not seem to get meetings with my manager, I could not seem to have weekly discussions with my manager. He ‘wasn’t available.’ He wouldn’t respond to emails. »

‘I also needed my benefits’

She admits that despite her own reservations about the alleged decision to cut off new policies in Brampton, she did try to compromise with her superiors. 

« While I was having conversations, I also needed my benefits. I also needed my company, my organization, to support me in my time of need. And not for a second did I think I would be penalized in such a manner. »

Finally, at what was supposed to be a routine meeting with her manager, her job was terminated. Joshi alleges she never received any prior warnings and that she was given no possible recourse after the fact.

Allstate claimed that she had taken part in an underhanded effort to have another employee transferred to a different location — an allegation that Joshi denies. 

She and Monkhouse are seeking some $600,000 in total damages from Allstate for wrongful dismissal and violations of the Ontario Human Rights Code. 

Allstate Insurance Canada did not respond to CBC Toronto’s request for comment. The company has, however, indicated to the court that it intends to mount a defence. Monkhouse said he expects Allstate to file a statement of defence, laying out its case against Joshi early in the new year. 

Monkhouse said the case would lead individual Brampton residents to launch their own human rights complaints against Allstate. 



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These US entities partnered with the Wuhan Institute of Virology — time for a criminal investigation?

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(Natural News) The Wuhan Institute of Virology from which the Wuhan coronavirus (COVID-19) is believed to have “escaped” has a number of questionable partnerships that are worth looking into in light of the pandemic.

Most of them are universities, including the University of Alabama, the University of North Texas, and Harvard University. There is also the EcoHealth Alliance, the National Institutes of Health (NIH), and the National Wildlife Federation.

While the relationships between these entities and the Wuhan Institute of Virology may be completely innocent, there is no way to really say for sure without a proper investigation. And this is exactly what Secretary of State Mike Pompeo is calling for, as is the nation of Australia.

Pompeo and the folks down under, along with millions of Americans, would really like to know the true origins of the Wuhan coronavirus (COVID-19). An increasing number of people simply are not buying the narrative that the novel virus originated in bat soup at a Chinese wet market, and this even includes mainstream media outlets like Fox News.

The only way to really determine what was going on at the Wuhan Institute of Virology, and who else might have been involved. is to open the place up for an international investigation. But communist China is against this, of course, accusing Australia of “petty tricks” and collusion with the United States.

“Overnight, I saw comments from the Chinese Foreign Ministry talking about a course of activity with respect to Australia who had the temerity to ask for investigation,” Pompeo is quoted as saying in response to China’s aggression against a proposed investigation.

“Who in the world wouldn’t want an investigation of how this happened to the world?” he added.

As the U.S. aims to get back on track economically speaking, Pompeo believes that now is the time to hold communist China, the Wuhan Institute of Virology, and whoever else may have been involved accountable for unleashing this pandemic on the world.

“Not only American wealth, but the global economy’s devastation as a result of this virus,” Pompeo further stated. “There will be a time for this. We will get that timing right.”

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New U.S. analysis finds that lab in Wuhan, China was “most likely” origin of coronavirus release

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(Natural News) While American Leftists and most of the Democrat Party continue to serve as apologists for the Chinese Communist regime over its role in creating and then perpetuating the coronavirus pandemic, a new U.S. government analysis concludes that COVID-19 “most likely” escaped from a lab near Wuhan city.

The Washington Times reports that the analysis cataloged evidence linking the outbreak to the Wuhan lab and has found that other explanations for the origins of the virus are not as credible.

The paper reported:

The document, compiled from open sources and not a finished product, says there is no smoking gun to blame the virus on either the Wuhan Institute of Virology or the Wuhan branch of the Chinese Center for Disease Control and Prevention, both located in the city where the first outbreaks were reported.

However, “there is circumstantial evidence to suggest such may be the case,” the paper says.

“All other possible places of the virus’ origin have been proven to be highly unlikely,” said the report, a copy of which was obtained by the Times.

ChiCom officials have claimed that the virus’ origin is unknown. However, Beijing initially stated that coronavirus came from animals at a “wet market” in Wuhan where exotic meats are butchered and sold in disgusting conditions.

Chinese officials claim that COVID-19 went from bats to animals sold in the market last year, then infected humans.

U.S. intelligence officials have increasingly dismissed that explanation, however, as attention has begun to focus on evidence suggesting that Chinese medical researchers were working with coronavirus in the country’s only Level 4 facility, which is in Wuhan.

U.S. Army Gen. Mark A. Milley, chairman of the Joint Chiefs of Staff, has said that intelligence agencies are investigating whether the virus escaped from a lab or was the result of a naturally occurring outbreak, but that analysts have ruled out reports that COVID-19 was manmade.

‘The most logical place to investigate the virus origin has been completely sealed off’

“At this point, it’s inconclusive, although the weight of evidence seems to indicate natural,” the general said on April 14, “but we don’t know for certain.”

The analysis said that the wet market explanation does not ring true because the first human diagnosis of coronavirus was made in someone who had no connection to the wet market in question. And according to Chinese reports, no bats were sold at that particular market.

At the same time, several questionable actions and a growing paper trail provide clues that the virus actually escaped from a lab, even as China begins to clamp down on those information streams.

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The biggest media lies about the coronavirus: Origins, treatments and vaccines

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(Natural News) If there is one thing that most everyone can agree on concerning the Wuhan coronavirus (COVID-19) pandemic, it is the fact that there is no shortage of conflicting information out there about the nature of it. And the mainstream media is certainly doing its part to steer the narrative as part of a larger agenda, using plenty of misinformation along the way.

The following are among the most commonly parroted lies about the Wuhan coronavirus (COVID-19) that aim to distort the facts and deceive you into believing falsehoods about this pandemic:

Media LIE: The virus is not man-made

From the very beginning of this thing, the official narrative was that the Wuhan coronavirus (COVID-19) came from a Chinese wet market where bats and other “exotic” animals are sold as meat. But the world later learned that it actually more than likely “escaped” from the Wuhan Institute of Virology.

The mainstream media and social media platforms went nuts trying to censor this information and even called it  “fake news.” But eventually it became undeniable that bat soup was not responsible for spreading the Wuhan coronavirus (COVID-19) around Wuhan and eventually to the rest of the world – hence why we continue to call it the Wuhan coronavirus rather than just COVID-19.

We have even seen attempts by the media machine at making the Wuhan coronavirus (COVID-19) a racial issue because there are supposedly more “people of color” coming down with it than people with fair skin, which further detracts attention away from the source of this virus.

Media LIE: Hydroxychloroquine is extremely dangerous and doesn’t work

The minute that President Donald Trump announced that hydroxychloroquine may be an effective, and very inexpensive, remedy for the Wuhan coronavirus (COVID-19), the mainstream media immediately began decrying this claim as fake news, even though Anthony Fauci himself praised hydroxychloroquine back in 2013 under Barack Obama as being some type of “miracle cure” for SARS (severe acute respiratory syndrome).

There have even been studies conducted that were designed to intentionally smear the drug as both ineffective and dangerous, though one in particular purposely left out zinc, which appears to be a critical co-factor in supporting the effectiveness of hydroxychloroquine – in other words, politics as usual.

Media LIE: Only a vaccine can save us from coronavirus

Many politicians and public health officials are parroting the lie that the only way America can come out of lockdown and go back to “normal” is to get vaccinated with some future vaccine for the Wuhan coronavirus (COVID-19) that does not even yet exist. A vaccine, we are repeatedly told, is the only thing, or perhaps some new “blockbuster” antiviral drug, that can cure the world of this scourge and make everything happy and wonderful once again.

Meanwhile, not a peep is being made about things like intravenous (IV) high-dose vitamin C, which is being successfully used in other countries to stem the tide of infections without the need for new drugs and vaccines.

By omission, nutrition is pointless

Speaking of natural approaches to overcoming the Wuhan coronavirus (COVID-19) that are being systematically ignored by the mainstream media and most in politics, have you heard anyone mention the importance of nutrition in all of this? We did not think so, and this is intentional.

Regular readers of this site over the years should know by now that the single-most important thing you need to do to stay healthy besides exercising regularly is to feed your body the nutrition it needs to naturally ward off illnesses, including those associated with the Wuhan coronavirus (COVID-19).

Research compiled by the Lewin Group reveals that nutritional remedies such as calcium, vitamin D, folate, omega-3 fatty acids, lutein, zeaxanthin, and more all play a critical role in fortifying the immune system, which, if properly nourished, should have little problem fending off disease.

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