If you have recently been in a car accident or had a slip or trip and fall or another injury, chances are one or more insurance companies have reached out to you. If these people contact you do you have to speak with them? The strict answer is no, however there are circumstances where you may want to talk to them, but what you say to them is very important. Bottom line is that if an insurance company is calling and wants to speak with you - call a lawyer first.
A friend of a friend had an awful accident. Someone ran a red light and there was a devastating t-bone impact. He broke both legs and an arm. This gentleman is an independent contractor in his 30s, married, with one young child at home. His wife does not work outside of the home.
When someone is seriously injured in an accident, whether it be a car accident, a slip and fall accident, or at the hands of a medical professional, the injured person is often left with no other option but to sue the at-fault party for damages.
On February 26, 2016 Bergeron Clifford hosted a seminar on the changes to the Statutory Accident Benefits Schedule (SABS) which will come into force in the next few months, as well as the change from the Financial Services Commission of Ontario (FSCO) arbitration regime to the new dispute resolution system under the License Appeal Tribunal (LAT) which will begin April 1, 2016. The reduced insurance benefits under the SABS are an item of great concern for many stakeholders, and the transition from FSCO to the LAT is somewhat of an unknown for many at this time. The lawyers at Bergeron Clifford and other Eastern Ontario industry experts and health professionals spoke and sat on a panel aimed at providing guidance in this time of uncertainty and change. Bergeron Clifford was very happy to host a government representative from the LAT who was able to give crucial insight into the new regime and the policy objectives set down by the Ministry of the Attorney General.
Pursuant to the car accident and injury law in Kingston, Ontario, your daughter may have several legal options.
After car accidents in Kingston, Ottawa or Whitby, Ontario, injured drivers or passengers can make two types of claims: 1. a claim with their own car insurance companies and 2. a tort claim or a lawsuit against the drivers that caused the accidents. These options are not mutually exclusive. In other words, you can pursue both options at the same time. Often, the reason for pursuing both options is because the benefits the injured drivers and passengers receive from their car insurance companies are not enough to compensate them for their medical expenses or lost wages. In addition, the benefits drivers/passengers receive from their car insurance companies do not cover pain and suffering.
An interesting article appears in Claims Journal today touching on potential holes in privacy rights associated with 'pay as you drive' insurance schemes. These new auto insurance programs offer reduced premiums to drivers who agree to have their car fitted with equipment that will track information including the time of day they drive, the speed they drive and the manner in which they brake. The data is collected by the insurance company with the assurance that privacy is fully protected; nobody is watching to see where you go and what you do. The only problem is that advanced telemetrics may allow the insurer to do just that.
I seldom agree with the IBC (Insurance Bureau of Canada). Today it wrote a blog suggesting that all students heading out to university or college buy tenant's insurance. I agree. Do it.