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Toronto Personal Injury Law Blog

Understanding no-fault insurance

Like many others, Ontario drivers may be confused by the term "no-fault insurance." It does not mean that a person who causes an accident pays no penalty. The term means that regardless of fault, the insured person will receive compensation no matter who caused the motor vehicle accident. However, the at-fault driver may face increased future premiums and a notation in his or her insurance record.

The main difference between no-fault insurance and other kinds of insurance is that the claimant deals with his or her own insurer. In most cases, an injured person would have to pursue the at-fault driver for compensation to pay for lost income, suffering and other benefits. With a no-fault insurance policy, an injured person will have instant access to compensation from his or her own insurance carrier.

Ontario man charged after fatal accident

Ontario Provincial Police laid charges against a 23-year-old man who was allegedly responsible for a July 12 accident that resulted in the death of one person and the hospitalization of two others. Investigators believe that alcohol was a contributing factor in the accidental death of one of the passengers in the vehicle.

The accident occurred on Concession Road 9 in Nation Township around 3 a.m. Police believe that the 23-year-old Alexandria man who was driving the car, which was reported stolen, was impaired at the time of the crash. One of the five passengers in the vehicle, a 24-year-old Casselman man, died at the scene. One man suffered life-threatening injuries, and reports indicated that he was still hospitalized in critical condition as of July 14. One passenger suffered undisclosed injuries that were not life threatening. He was treated and released from a hospital.

No More Trials for Brampton Parking Tickets > Toronto Star (

Mr. Eric Lai, of the Toronto Star Wheels section, has again brought attention to an important issue that will affect tens of thousands of people per year, yet this new AMPS system raises questions as to its fairness - see the article here.

The City of Brampton has put up a FAQ page regarding its AMPS Program.

The City of Brampton also indicates that similar AMPS programs have been instituted in Mississauga, Vaughan, Burlington and Oshawa.

Ontario car accident kills 1, injures 3

One person died and three others suffered injuries on June 29 in a two-vehicle collision in Ontario. The accident occurred around 3 a.m. in Kitchener. Police determined that alcohol and speed were contributing factors in the fatal accident and took one of the drivers involved into custody.

An SUV was travelling south on Manitou Drive near Bleams Road when the vehicle crossed the centre line into oncoming traffic. The SUV collided head-on with a taxicab travelling in the northbound lane. A 31-year-old Stoney Creek man who was riding in the backseat of the SUV suffered fatal injuries and died at the scene of the accident. The man was not wearing a seat belt at the time of the crash. The 21-year-old Kitchener woman who was driving the SUV and the driver of the taxi suffered minor injuries. The taxi was not carrying any passengers, so the third injured person may have been a front-seat passenger in the SUV.

Driver faces charges after deadly crash

Authorities in Ontario have charged a 26-year-old man with impaired operation of a motor vehicle causing death in connection to a fatal accident on June 21. The man is also facing charges of driving over the legal limit and impaired operation of a motor vehicle causing bodily harm. The incident occurred around 7:30 p.m. on Norfolk County Highway 19 near Tillsonburg.

Sources say that the deceased victim is a 54-year-old Bayham woman, and an 18-year-old female passenger of her vehicle was also injured in the crash, although her condition is not thought to be life threatening. The 26-year-old man reportedly suffered minor injuries in the crash. He will be scheduled to appear in court in Simcoe later.

Teenagers' lack of impulse control leads to risky behaviour

Ontario residents may be interested a recent article discussing teenagers' lack of impulse control and participation in extreme sports. While some suggest that participation in risky behaviour is part of the developmental process, lack of government regulations might leave teenagers exposed to unnecessary injuries.

Research shows that teenagers have two systems in their minds that seemingly work against each other. At a young age, the system that seeks rewards has fully matured, pushing teenagers to crave thrilling experiences. However, their ability to control impulses has not been fully developed. When faced with a decision that must be made quickly, a teenager will generally tend toward a riskier behaviour and be less able to resist his or her impulses while adults have a more mature impulse control system that allows them to better evaluate risk and reward comparisons.

Driver charged for crash that killed 1, injured 1

A 22-year-old man who was involved in a car accident that occurred in Ontario was faced with additional charges while in court on June 10. According to the report, the accident took place on Lauzon Road just south of Tranby Avenue at approximately 2:50 a.m. on April 4.

The man was reportedly driving a Chevrolet Blazer in the northbound lanes when the vehicle was struck by a Chevrolet Impala and flipped over several times. One of the two vehicles struck a traffic pole, causing serious damage. Reports say that the driver of the Impala continued to drive away from the accident until a flat tire caused him to stop a few blocks north of the scene. A 20-year-old woman who was a passenger in the vehicle was killed. A woman, who is 19 years old, suffered injuries in the crash.

Ontario motor vehicle accident takes life of 2 motorcyclists

A motor vehicle accident involving a car, an SUV and a motorcycle has resulted in the death of two people and injuries to another person. The accident occurred around 5 p.m. June 7 on Highway 17 between Veuve River Bridge and Sutcliffe Road in the town of Markstay-Warren, which is about 50 kilometres east of Sudbury. A man was driving a car east on Highway 17 at the same time that an SUV and a motorcycle were headed in the opposite direction.

According to reports, the driver of the car did not maintain his lane and crossed over the centre lane into the path of the SUV, striking it on the side. The car then crashed head-on with the motorcycle. Both motorcyclists, a 48-year-old Val Caron man and a 48-year-old woman, also of Val Caron, were killed in the crash. The 58-year-old North Bay man who was driving the car was taken to the hospital, suffering from minor injuries. The occupants of the SUV, a 55-year-old Sudbury woman and a 57-year-old Callander woman, were not injured.

1 suffers serious injuries in car accident

A six-car pileup on June 3 in Pickering resulted in four individuals suffering injuries that ranged from minor to life threatening. According to police, the accident occurred just before 4 p.m. when a Dodge minivan that was heading west on Highway 7 by Concession 6 crossed into the oncoming lane, causing it to collide with a Hyundai sedan. Shortly after the initial collision, four other vehicles crashed into the wreck.

The 30-year-old Whitby man who was driving the Hyundai was hospitalized with life-threatening injuries. The driver of the Dodge, a 49-year-old Maple man, went to a hospital with serious injuries. Two other drivers were transported to a local hospital for treatment of minor injuries. The road was closed after the accident, but it was reopened the same day.

Owen Sound Long-Term Disability Claim Allowed: Great West Life

The Issue: A recent case illustrates the factors considered by a Court in determining whether an employee qualifies for long-term disability coverage.

This Case Situation

A personal banking officer, a 37 year old married mother of two, worked for the Bank of Nova Scotia for approximately 4 years prior to applying for short-term disability benefits ("STD") and then long-term disability benefits ("LTD") as a result of anxiety and depression problems.