Articles Posted in Car Accident

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This morning, I saw some of the most gruesome video tape of an assault I have ever seen in my years as a personal injury lawyer. The video depicted a horrific assault of one man, pummelling a defenceless man who had been knocked unconscious from a series of punches to the head.  Even though the man being beaten lay motionless on the ground, he was still being punched repeatedly in the face. Unlike a Mixed Martial Arts fight, there was no referee to stop to beating. It continued for what seemed to be an eternity. This was rated “R” footage that would have made anyone cringe. Even a personal injury lawyer such as myself who has seen some pretty nasty images over the years.

As a result of the serious beating, the injured party sustained a fractured orbital bone, along with brain damage. This does not take in to consideration the bruising cuts to the victims face. He had to be rushed to hospital in Toronto following the attack, where he remained for 3 days following his discharge home.

In years past, this assault would have been described by the victim or any witnesses in words; based on foggy memory. Those memories get even foggier as time passes. If the victim or the witnesses had consumed alcohol or drugs at the time of the attack, then chances are those memories are even foggier.

Around 10 years ago, when injured parties and witnesses were asked to provide their best recollection of the events giving rise to the claim, all they had to go was based on these foggy memories, notes, or perhaps photos taken at the scene.

But all of that has changed over the past decade. Cameras have gotten smaller and smaller; and those cameras now have video capabilities. Every cell phone on the market today, with a few exceptions, have both photo capability and video capability. And there are now more cell phones on the planet than people. Cameras are so small today, and can be connected to almost any computer device, they can fit on any surface; from a dashboard cam on a car; to the back of a pen/pencil.

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This will be a fun edition of the Toronto Personal Injury Lawyer Blog. First, we would like to congratulate our founder and directing lawyer, Brian Goldfinger, on his recent naming to the Legal Elite for 2016 by London Business Magazine. The Legal Elite recognizes the brightest and best legal minds in London, ON and Southwest Ontario. This is Brian’s second consecutive year being named to the Legal Elite. We are glad to see all of Brian’s hard work representing injured accident victims and disability claimants getting some fantastic positive recognition in the community. None of this could be accomplished without the hard work from the team of hard working lawyers, law clerks, rehabilitation professionals and support staff at Goldfinger Injury Lawyers which have helped Brian fight on behalf of his clients. A big thank you to everyone behind the scenes for making this award possible.

Here is a link to the feature article on Brian Goldfinger being named to the 2016 Legal Elite by London Business Magazine.

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Goldfinger Injury Lawyers has four offices. Our first office opened in Toronto. This was followed by our second office in Peterborough. Our lawyers have long driven up and down a beautiful stretch of highway known has Highway #115. This is an Ontario Provincial Highway that connects Peterborough to Toronto by Highway 401. Highway 115 begins near Newcastle, and then proceeds north and ends at Highway 7 in Peterborough.

In the summer months, many cottage goers in the Kawarthas zoom along picturesque Highway 115 driving by quaint farmer’s markets, ice cream stands, kitschy motels, burger stands; sprinkled in with a few Tim Horton’s type of restaurants. It’s a beautiful drive in the summer.

It’s also a glorious drive in the fall with the changing of the autumn leaves.

The winter is when this drive can get dangerous. Not unlike many smaller highways in Ontario, Highway 115 isn’t particularly wide. It has two lanes for northbound traffic, and two lanes for southbound traffic.  The highway isn’t particularly well lit. There are no lights in most sections of the highway which can create visibility problems. Highway 115 is straight for the most part, so drivers may have a tendency to be aggressive on the gas. Or, they may not even realize how fast they are travelling.

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After a serious car or motorcycle accident, chances are you will need a wide variety of treatment. Some of that treatment will be covered by Ontario’s OHIP Healtcare System. That means if you have a valid Ontario Health Card, it will be FREE.  Seeing a medical doctor (not a chiropractor or a psychologist), a hospital visit, and even treatment through the Community Care Access System (CCAC) is all covered. This is fantastic news for accident victims, especially when you compare healthcare in Canada vs. health care costs for our neighbours south of the border.

Some treatment isn’t covered by OHIP. Things like physiotherapy, massage, chiropractic care, occupational therapy, speech language pathology outside of the hospital, psychology treatment, social work, rehab coach etc. All of these things are NOT covered by OHIP (with some exceptions). If you’ve been involved in a serious motor vehicle accident, chances are you will need at least one, if not a few of the aforementioned treatments. Without OHIP or collateral benefits, you will have to pay for these treatments out of your own pocket. If you aren’t working following a serious car accident, you likely won’t have the money to spend out of pocket on these treatments unless you’re incredible well off.

Here is the “good news”. When I put “good news” in quotes, it’s because I’m explaining a text book; best case scenario…And we all know at law; these text book best case scenarios rarely happen. That’s why there are so many personal injury lawyers around.

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The Christmas lights have gone up. The festive parties are a plenty. The snow is….um…..non-existent with some of the highest temperatures Ontario has ever seen for December. In any event, it’s HOLIDAY time once again.

Around this time, and in to the New Year, our lawyers get some strange, and some not so strange calls. This means that there are some common injury patterns we see, and other patterns which aren’t so common. Without further a due, here are Goldfinger Injury Lawyers’s top tips on keeping things safe for the Holiday and New Year season.

DON’T DRINK AND DRIVE: Quite simply, alcohol and driving don’t mix. And that statement applies to any amount of alcohol consumed; even if it’s “just a couple of drinks” at a friend’s Holiday Gathering. We can tell you that R.I.D.E will be out in full force across Ontario; from London to Peterborough, to Toronto to Sudbury. Your local police force will be out there making sure people aren’t drinking and driving. If you play your cards right, you may even get a coupon from those friendly officers at R.I.D.E. I would also like to add that the term “driving” applies not only to cars, motorcycles or other vehicles. It also applies to bikes, E-Bikes, scooters. segways, etc. We get a lot of crazy calls of people riding anything with wheels (motorized or non-motorized) after having consumed a few too many drinks with catastrophic consequences. Drinking and driving is always a choice. Make the right one and arrive alive and in one piece. You’re not just putting your life at risk, but also the lives of other innocent people and their families at risk as well. No amount of money can ever properly compensate somebody for a loss of limb, a catastrophic brain injury, or the loss of a loved one. Continue reading →

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It seems that every few months or so, the Toronto Injury Lawyer Blog is discussing the topics to changes in car insurance and accident benefit disputes in Ontario. Is it because we LOVE blogging about accident benefits? Not really. Accident benefits are quite frankly, an incredibly complicated and dense area of the law. The rules for accident benefits, in many respects, are made in favour of large insurance companies and designed to limit an injured claimant’s ability to recover an income. It’s not a committee of accident victims who sit around and make these laws, and tweek them ever so slightly. Rather, it’s deep pocketed insurers and so called “insurance experts” who do so at the behest of the large insurance lobby.

A few quick examples of some arbitrary decisions which accident benefit laws have imposed:

  • No monetary reimbursement for a trip to the doctor which is under 50km. Why 50km? Who picked the 50km distance? Your guess is as good as mine
  • A maximum recovery of just $3,500 for soft tissue injuries which are classified to fit under the Minor Injury Guideline. Why just $3,500? Because that’s what insurers and our government deems to be reasonable. Interesting enough, that $3,500 is less than you paying the full value of your car insurance premiums over a 3 year period in Toronto, London, Ottawa or another large city in Ontario.
  • A maximum recover of $50,000 for claims which aren’t catastrophic, but not Minor. Why a $50,000 limit? Beats me.
  • An income replacement benefit of a maximum of just $400/week under a standard Ontario Automobile Policy, which has NOT increased to reflect inflation over the past 15 years.
  • A deductible which will be increasing from $30,000 to $36,500 for pain and suffering claims. Why $36,500? Beats me.

As you can see, many of the monetary limits imposed in accident benefit law in Ontario are just numbers which seem to be picked out of a hat to favour insurers. Not once have I ever met an injured accident victim, or an ordinary person who believes that these limits are reasonable or helpful for claims.

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The OCF-6 Application for Expenses or Expenses Claim Form is the MOST IMPORTANT FORM to get paid back for your out of pocket expenses following a car or motor vehicle accident.

Immediately after a serious accident, the bills and expenses can quickly add up. Hospital parking is a fortune these days. Hospital meals, medication, the ambulance bill, damaged clothing, broken glasses, equipment rental for ramps, crutches, a wheelchair or simply purchasing a cheap cane from a drug store. All of these expenses quickly add up.

Some of the first questions from prospective clients isn’t how much their case is worth. It’s how can I get re-reimbursed for my out of pocket expenses?

I’ve always found this a bit odd; but I suppose it’s human nature. In the context of a multi million dollar claim, we are worried and insurers fight over the smaller $10 expenses; yet they are willing to pay out $1,500/month for attendant care benefits without issue; or pay out much larger amounts on a periodic basis.

In any event, the purpose of this Toronto Injury Lawyer Blog is to assist you in preparing your OCF-6 the right way, so that your out of pocket expense claims gets approved instead of denied.

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Around this time of the year, our law firm receives a noticeable spike in pedestrian collision claims. These are the sort of cases where somebody is trying to cross the street (on foot), and they get hit by a car, or some other sort of motor vehicle (even a bike).

What explains the spike is anybody’s guess. But, it would make sense that near the end of October we get less daylight, making visibility more difficult for motorists, cyclists and pedestrians alike. We also have some worse weather which can lead to visibility issues as well. And who can forget the Halloween Holiday, whereby residential streets are flooded with trick or treaters in full blown costume.

At the time of preparing the Toronto Injury Lawyer Blog Post, at least 12 pedestrians were hit by cars around the General Toronto Area during the commuting periods. Some new outlets have the number as high as 16 pedestrian collisions throughout the course of the day. That’ a lot! Police are attributing this spike to poor visibility on account of decreased daylight and bad weather. This was one of the first days of the fall where the weather was rather cold, damp and dark.

Scary because Halloween is right around the corner and you get the sneaking suspicion that people can’t drive safely anymore? Scary because you get the feeling that motorists don’t have respect for other motorists, cyclists or pedestrians? I know the feeling. Adding insult to injury is that the penalties handed out by our Courts following a breach of the Highway Traffic Act are akin to slaps on the wrist. A few demerit points, a license suspension, a fine. None of these penalties are proportional to the devastating impact a serious car accident can have on an innocent accident victim and their family.

There are a lot of young parents who read the Toronto Injury Lawyer Blog. Having a young family of my own, I want to share with you some of Goldfinger Injury Lawyers’s top tips on how to keep Halloween safe when you’re outside trick or treating this holiday season. If the recent trend of motorists colliding with pedestrians continues, I’m certain you can use these tips. I’ll do my best to give you some out of the box tips you may not have even thought of aside from the usual ones you may see in other media online.

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The balance between access to justice vs. the goals of expediency, affordability and proportionality of the civil justice system were weighed in the case of Anjum et. al. v. Doe et. al. Here, it was ruled that a defendant insurer would be permitted to bring a 3 day summary judgment motion requiring viva voce evidence from a catastrophically injured Plaintiff along with evidence from competing experts on both sides.

The practical effect, although expressly denied in the decision, is that the parties are having an expensive and time consuming three day mini trial on liability, without a jury.

The Plaintiff Anjum was involved in an alleged hit and run car accident which caused catastrophic injuries. Anjum could not identify the vehicle that hit him, so he sued his own insurer, State Farm under the unidentified motorist coverage under his policy.

State Farm denied that there was any evidence indicating involvement from another vehicle and brought a summary judgment motion along these lines.

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One of the hardest things for people to understand in Ontario is how our No Fault system of car insurance works.

Ask 10 drivers how their no fault accident benefits work, or how no fault car insurance works, you’ll get 10 different answers. All of them will likely be wrong. Ask 10 lawyers who don’t practice in the field of persona injury law, you’ll probably get the same wrong answers! Even funnier is if you ask 10 different politicians, the ones who actually passed the laws to create no fault accident benefit insurance in Ontario, and they won’t know either.

The only people who truly know how no fault insurance and accident benefits work are personal injury lawyers, insurance defence lawyers, people who work for insurance companies and those service providers who routinely bill insurers through IEs or through OCF claim forms.

What people have a hard time understanding, is that after an accident involving the “use or operation of a motor vehicle” , they will have TWO SEPARATE CLAIMS. The first claim is the claim for no fault accident benefits. These claims are guaranteed provided there are no policy breach issues. This first accident benefit claim is against your OWN INSURER, regardless of fault. If you didn’t have car insurance at the time of the accident, then there are loss transfer provisions under the Insurance Act which create a duty to defend or respond to the claim from another insurer, or, in the last case scenario, from the Ontario Motor Vehicle Accident Claims Fund. These accident benefits will cover such things as medical/rehab benefits, attendant care benefits, non earner benefits, income replacement benefits and out of pocket expenses related to the car accident. Accident Benefits do NOT cover pain and suffering.

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