Posts Categorized: personal injury
After being involved in an Ontario car accident, you will likely apply for Accident Benefits under our no-fault regime. You may claim for income replacement benefits, medical and rehabilitation benefits (i.e. physiotherapy, chiropractic treatment, massage, acupuncture, prescription medications etc), attendant care, re-training or vocational assessment benefits or other benefits.
After you apply for the benefit, your Accident Benefits insurer may seek to test or evaluate your request, by sending you to be examined at an independent medical examination (i.e. IME) by a medical practitioner of their choosing. … Continue Reading
Our thanks to Canadian Insurance Top Broker and Terri Goveia for allowing us to participate in their article last week about the emerging risk of e-bikes in Ontario, which currently are not required to be insured. The article is also here in PDF format.
As background, readers may wish to review our October 5, 2009 blog on e-bikes or ourMarch 30 and June 2 blogs regarding bicyclists.
Toronto Insurance Lawyer… Continue Reading
How long does a personal injury or car accident lawsuit take to resolve?
As insurance lawyers, we are asked this question all the time. Generally the answer is that your personal injury lawsuits arising from a car accident can take anywhere between 2 to 4 years to resolve.
The time is due to all of the various steps involved in the lawsuit, including: Examinations for Discovery; ensuring that productions between all parties are fully exchanged; medical assessments and evaluations; Court motions and procedures; mediation; and Pre-Trial and Trial steps.… Continue Reading
On behalf of Bougadis, Chang LLP Barristers on Tuesday, October 12, 2010.
Last week, the NHTSA (National Highway Traffic Safety Administration) in the United States released a new rating system for testing vehicles and evaluating their safety and crash worthiness. The NHTSA system is ubiquitous in North America; Canadian consumers are referred to these standards both in car advertisements and on the internet.
In the personal injury industry, side impact or T-bone collisions are far too common, as are head-on collisions.… Continue Reading
There were other changes introduced in September, 2010, along with the new SABS (Statutory Accident Benefits Schedule) in Ontario.
One minor, but important, change for consumers is the addition of an appraisal requirement when dealing with car repairs arising from an accident. Now, if you request an appraisal, the insurer will then perform it. In the past, an insurer was not required to provide an appraisal even if requested. See Ontario Regulation 40/10 for the amendments to Ontario Regulation 777/93.
Further to our blog on October 4, 2010, another issue that is important for consumers is the elimination of the use, by insurers, of your credit information when considering your application for renewal of your insurance policy. … Continue Reading
A useful article last week in The Globe and Mail by Ms Romanov on insurance rates and the effect of your accident history, as well as having young drivers on your policy.
With the introduction of the new SABS (Statutory Accident Benefits Schedule) in Ontario in September, 2010, consumers should be aware that now there is more to consider, in terms of optional coverage, when renewing their car insurance policy.
For example, caregiving and housekeeping benefits were previously included in the standard auto policy but now are eliminated for non-catastrophic (CAT) claims. … Continue Reading
Bougadis, Chang LLP Barristers
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Toronto, ON M5C 1K6
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Scarborough, ON M1B 3C6