Car Accident

Published on: March 10, 2025

Do I need Car Insurance to Drive on in Ontario?

Last week I was interviewed by a journalist at the Globe & Mail newspaper (remember those?).

She was writing an article on car insurance, and increasing insurance rates in general in Ontario. She wanted to know what a boots on the ground personal injury lawyer was seeing.

I shared with her a few trends which I had observed over the past 12 months:

Premiums were rising for drivers even if they had outstanding driving records with no claims
Part of the reason which premiums appeared to be on the rise was the increase of auto thefts; coupled with the rise in prices for new vehicles, labour and auto parts. I suspect that the looming tariffs and trade war won’t help in that area. Some reports are suggesting that the price of new cars will go up between 15-25%
But don’t fool yourself: insurance companies will find every excuse in the books to increase premiums. They will deliver less coverage, while charging you more money. You are paying more, and getting less in return.
Our personal injury lawyers have noticed an uptick in uninsured claims.

What is an uninsured claim you might ask? Good question!

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Published on: March 6, 2025

What to do after being Hospitalized following a Serious Accident in Ontario

By Goldfinger Injury Lawyers

Personal Injury Lawyers are familiar with hospitals. Visiting the hospital in order to see an innocent accident victim to conduct a consultation and explain to them their rights is part of the job as a personal injury lawyer. As such, personal injury lawyers get to know the ins and outs and routines at many hospitals. We also see some pretty weird stuff at hospital as well. And these weird occurrences are through no fault of the people hospitalized. It just so happens that hospital can be very strange places. How so you might ask?

For starters, there are no barriers to entry at the hospital. Every Canadian has free healthcare. You don’t have to pay, or pass security in order to get inside of a hospital. As such, you might have people wandering the hallways looking for shelter, a warm bed, pills to steal, supplies like sheets or pillows, or people looking to scam patients who are not at their best. As a personal injury lawyer, I’ve had many clients tell me that while they are staying at hospital, they’ve had strangers approach their bed purporting to be a hospital worker asking for their banking information. I can assure you that hospital staff are not asking patients for their banking information. This doesn’t happen. It can however happen that people with ill intentions enter the hospital trying to defraud or steal patients. While all hospital do have some form of security, it’s never enough to monitor an entire hospital. And, by the time that people have found out that they’ve been stolen from, or defrauded, it’s too late. The focus while staying in hospital is rarely about money or security because hospitals should be (and often are) safe spaces. Rather, it’s about health, recovery, and getting home.

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Published on: February 10, 2025

Police Reports in Personal Injury Cases

By Goldfinger Injury Lawyers

You would think that after a car accident, the police arrive quickly on scene to take notes, interview the parties along with any witnesses and prepare an accident report.

When people are injured, the accident needs to be reported to police. But sometimes the injuries at the accident scene are not apparent. They might be tears to tissue which you don’t feel right away. They might be psychological injuries which may not manifest right away. Or, perhaps the accident victim is pumped up with adrenaline (which is very common), and they don’t feel any injury at the scene of the accident; only to return home and the next day feel like terrible pain. So, this notion that the motor vehicle accident needing to be reported to police in the event of injury can be tricky if the injuries are not obvious.

When there is combined damage of $2,000 or more to vehicles or to property, the car accident has to be reported. This is difficult, because the average person is not a certified appraiser. They won’t know the value of the vehicle or property damage because it’s just not something that the average person will know. This is why there are appraisers, because they appraise the value of damage for a living. The expectation that a person know whether or not the damage to the vehicle or to the property exceeds $2,000 is rather far fetched. Nobody is going on the underside of a car at an accident scene with a mechanical light to make sure that the undercarriage of the car is in order. The same can be said when it comes to the alignment of the vehicle. You cannot tell at the accident scene whether or not the vehicle will require a new alignment after an accident. You need a mechanic to check it out. To air on the side of caution, we would recommend that you report the accident rather than not report it.

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Published on: January 16, 2025

No Fault Accident Benefit Claims in Ontario are Strange

By Goldfinger Injury Lawyers

Ontario has a no fault system of accident benefits if you’ve been involved in a car accident.

Understanding the concept of “no fault” is hard to grasp (even for lawyers!).

You would think that if you’re not at fault, then the at fault driver’s insurer should pay for everything.

But, that’s not how things work in Ontario’s no fault system. We have a first party pays system.

What this means is that regardless of fault, your own car insurer is responsible to pay for accident benefits in your car accident case.

This means that the other driver could have been drunk, high, on his/her cell phone, having run a red light; and still your own car insurer is the primary payor for accident benefits.

Even more strange is that if you had collateral benefits at the time of the accident, such as health, disability or anything else through work; those benefits kick in BEFORE the car insurance benefits kick in. Even though your collateral benefits have nothing to do with car insurance, those collateral benefits must be used up before the car insurer has to pay anything. How does that make sense? It’s like a disability insurer telling you that they will not pay any disability benefits until you’ve purchased 3 lottery tickets to see if you win. In the event you win, then they disability insurer does not pay because you’ve been paid lottery winnings. If you loose the lottery, and only once you’ve lost and submitted proof of losing that they will pay. All of these laws defy logic, but this is how Ontario’s archaic system of accident benefits has been designed.

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Published on: December 23, 2024

New Year? New Deductible for Car Accident Pain and Suffering Cases in Ontario

By Goldfinger Injury Lawyers

There are a lot of things which non personal injury lawyers don’t know about car accident cases in Ontario. Heck, even some lawyers who don’t practice in the area of car accident cases don’t even know. These are dirty little secrets which aren’t advertised with much fanfare. But, if you do a bit of research, you can learn pick up a few pearls of knowledge here and there.

Every year around this time, the Financial Services Regulatory Authority of Ontario (FSRA) makes a very under the radar announcement, if you can really call it an announcement at all. Basically, they update a page on their website to post new deductible rates for the upcoming new year.

These deductible rates are important for car accident cases. The deductible rates have nothing to do with the physical damage to your vehicle. Nor, do you get to set the deductible by paying a higher insurance premium. This seems very odd, because under all car insurance policies, and under the vast majority of insurance policies, the consumer can pay more premiums to reduce a deductible and potentially reduce it to zero.

But not for pain and suffering claims in car accident cases. The deductible is pre-determined and uniform across the board. It cannot be eliminated, not matter how much you pay in car insurance premiums. The consumer is completely powerless, and at the will of the government along with the insurance industry.

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Published on: December 19, 2024

Holiday Party Dos and Don’ts

By Goldfinger Injury Lawyers

The Holiday Season is upon us. And with the Holidays comes a lot of celebration. Office holiday parties. Family holiday parties. Friend holiday parties. Sporting team holiday parties. You name it. People will get together and party.

And with parties comes responsibility. Whether or not you’re a host, or a guest, you have a job to do.

With this edition of the Toronto Injury Lawyer Blog, we will review some dos and don’ts for the holiday party season.

Don’t Overconsume

Will there be alcohol at your holiday party? Probably. Will there be cannabis? Perhaps. Will there be edible cannabis products? You never know. Either way; whatever it is that you consume, do it responsibly and don’t over do it. This is not only to keep you and others safe. It also applies to those office parties or other social gathering when you can end up saying (or doing) something that you will regret on account of having too much to smoke or drink. Just because something is legal (alcohol or cannabis) doesn’t mean that you or your guests are entitled to consume it until they can’t function. In some cases, the host can be held responsible for the over consumption of their guests. This concept is known as social host liability. While social host liability is not easy to prove, it exists and can be established in certain situations. In fact, the Supreme Court of Canada examined the concept of social host liability in a case called Childs v. Desmoreaux [2006] 1 S.C.R. 643, 2006. It’s an interesting read for all those interested in the concept of the responsibilities of a social host for a party involving alcohol, along with the concept of social host liability.

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Published on: July 19, 2024

When there are no consequences for negligence or carelessness

By Goldfinger Injury Lawyers

I’ve been watching a lot of youth soccer games of late. My son plays a lot of soccer.

Given my son’s young age, more experienced referees are not assigned to officiate his games. His referees tend to be young and inexperienced. They are looking at making a few extra bucks while contributing to a game they really enjoy.

The problem is, that the games tend to get out of hand because the young, inexperienced referees lack the experience, poise and confidence to control the game.

The game got so bad last week a parent from the opposing team walked onto the pitch during a water break to have a conversation with the referee. While I was not privy to their conversation, I imagine that they weren’t discussing the weather or making dinner plans.

In this week’s game, two players got shoved/punched in the face without repercussion to the offending player.

In a previous game, the teams were playing by different sports entirely. One team was playing beautiful futbol, while the other team was playing barbaric football.

When a player breaks the rules of the game, the referee is there to enforce those rules. Much like a police officer enforcing the rules of the road. A referee can penalize a player by calling a foul, or handing out a yellow card, or even a red card. A police officer can do the exact same by having a stern talk with a motorist who crosses the line, or even handing out a ticket or charging them with an offence.

When bad things happen without repercussion, they will not only continue to happen, but those actions will get worse and hurt people.

Nobody wants to see anyone hurt or injured in a youth soccer game. We all want the kids to have fun, and to develop. But on the path to fun and development in a competitive setting, there needs to be proper enforcement of the rules. There cannot be no consequences for negligence or intentional acts causing harm. Otherwise, people get hurt and may take things into their own hands which further escalates matters. Which got me to thinking about personal injury law.

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Published on: June 6, 2024

Conflict between Insurer and Insured following a Car Accident in Ontario

By Goldfinger Injury Lawyers

For those unfamiliar with personal injury law, and more specifically, the law surrounding motor vehicle accidents (car crashes, motorcycle accidents, pedestrian-car accidents, bike-car accidents), the idea of what the law should be and how it works is perceived to be rather straight forward.

Car accident. Innocent accident victim not at fault. They were in the wrong place, and the wrong time and sustained injuries. Those injuries ought to be compensated by the car insurer for the at fault driver. Case closed.

Unfortunately, that’s not the way things work in Ontario.

We have take an easy to understand event (a car accident) and complicated that event tremendously. The complexities have been created by the government at the behest of the insurance industry in order to keep the number of car accident claims down; and to limit the compensation available to innocent accident victims.

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Published on: April 18, 2024

Distracted Driving Car Accidents

By Goldfinger Injury Lawyers

Recently, a post went viral on Tik Tok of a York Regional Police officer checking out his mobile device while driving at what appeared to be a high speed.

It would seem unfair that a police officer would be driving around in his police cruiser checking out his cell phone because if members of the general public did the same, they would be given a ticket.

But is it?

There is a caveat in then Highway Traffic Act which permits police, fire and emergency responders to use the mobile devices while driving. There are likely good policy reasons behind these laws, but I cannot say for certain what policy reasons those might be. I can certainly make assumptions that using a mobile device as a police officer, fireman or emergency responder might be required.

Here is what the Highway Traffic Act has to say about operating your mobile device while driving:

Display screen visible to driver prohibited

78 (1) No person shall drive a motor vehicle on a highway if the display screen of a television, computer or other device in the motor vehicle is visible to the driver. 2009, c. 4, s. 1.

Same

(3) Subsection (1) does not apply to the driver of an ambulance, fire department vehicle or police department vehicle. 2009, c. 4, s. 1.

Hand-held devices prohibited Wireless communication devices

78.1 (1) No person shall drive a motor vehicle on a highway while holding or using a hand-held wireless communication device or other prescribed device that is capable of receiving or transmitting telephone communications, electronic data, mail or text messages. 2009, c. 4, s. 2; 2015, c. 27, Sched. 7, s. 18.

Entertainment devices

(2) No person shall drive a motor vehicle on a highway while holding or using a hand-held electronic entertainment device or other prescribed device the primary use of which is unrelated to the safe operation of the motor vehicle. 2009, c. 4, s. 2.

Exceptions

(4) Subsection (1) does not apply to,

(a) the driver of an ambulance, fire department vehicle or police department vehicle;

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Published on: April 9, 2024

Weird things about car insurance claims in Ontario

By Goldfinger Injury Lawyers

Car insurance, and making a claim after a car accident in Ontario should be simple and straight forward.

But, as a personal injury lawyer with two decades of experience in the field, I can tell you that it’s not. Far from it! In fact, car insurance and accident benefit claims are complex and defy common sense.

Here are a few items that our lawyers at Goldfinger Injury Lawyers along with our clients have always found rather strange when it comes to car accident claims in Ontario.

Item #1 Regardless of fault, the first insurer to respond to the claim is your own car insurance company. Ontario has a “no fault” system of accident benefits. This means that your own car insurer, regardless of fault, is the first insurer to make a payment of the claim. The at fault driver could have been drunk, high on drugs, on his cell phone having run a red light. It doesn’t matter. Your own car insurer, regardless of fault, is the first insurer to pay. This is what “no fault” is all about. How the accident happened and the degree of liability for the at fault driver is not even a thought when it comes to no fault accident benefits which defies common logic when non lawyers think about car accident cases.

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