Insurance Coverage

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: May 29, 2024

Dog Bite Cases begin and end with Insurance Coverage

By Goldfinger Injury Lawyers

You have been bitten by a dog.

The dog bite isn’t a small one. Rather, it’s quite a serious injury which will leave permanent and emotional scaring.

Your local Animal Control Unit is investigating the case, and has filed charges against the Dog Owner. But the charges, and the potential conviction will not pay for your past or future care costs, let alone compensate you for the pain and suffering which you have endured.

You retain a personal injury lawyer (hopefully one from Goldfinger Injury Lawyers) to help you get the compensation which you deserve.

If your case went to trial, you would win. It’s a pretty “open/shut” case whereby you were in the wrong place, at the wrong time. You did not provoke the dog. It was no muzzled, and the owner had lost control of the dog leading to the attack.

A Judge will have no problem finding liability against the dog owner, and that the dog caused your injuries. Needless to say, a Judge will rule in your favour and order that the Defendant pay you compensation for your injuries and future losses.

But this is not enough for a dog attack case.

Dog attack cases begin, and they end, on insurance coverage. The cold, hard, truth, is that in the overwhelming majority of dog attack cases, an innocent Plaintiff will only get paid the full value of what they are owned when there is insurance coverage for the dog attack. If there is no insurance coverage, then there is a strong likelihood that the Plaintiff will not recover what they are owned, or not make any recovery at all. When there is no insurance coverage, a Plaintiff cannot get blood from a stone.

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Published on: May 24, 2024

How a criminal investigation will impact a personal injury case in Ontario

By Goldfinger Injury Lawyers

Sometimes personal injury cases are investigated by the police.

Sometimes, criminal, or quasi criminal charges will be laid on the Defendant (the at fault party).

What does this mean for your personal injury case, and how will your personal injury case be impacted by these charges and the ensuing police investigation?

Good questions!

This edition of the Toronto Injury Lawyer Blog will attempt to answer those questions, and more!

Criminal and quasi criminal charges happen in all types of personal injury cases.

In drunk driving cases, people are charged with the criminal offense of impaired driving.

In distracted driving cases, or for other driving offenses, people are charged under the Highway Traffic Act.

In sexual assault cases, the offending party can be charged under the Criminal Code as well.

When charges are laid, it triggers a police investigation, regardless of the severity of those charges.

The police have strong investigatory powers in order to complete their investigation into the incident. They can issue search warrants to search property. They can seize all sorts of records (medical, cell phone, business etc.). They can summons witnesses, who tend to cooperate more with police than they would with a personal injury lawyer for a civil case. They can call people in to the police station to give a statement, or take a statement (recorded or videotaped) from the parties in order to get a better idea of what took place.

The goal of the police in their investigation is to get down to the truth of what happened. The evidence which the police gather will assist the Court in determining whether or not the accused is guilty, or not guilty. If there isn’t enough evidence there to support the charges, or there isn’t a likely prospect of conviction, the charges will be dropped (in theory).

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Published on: May 15, 2024

Eye Popping Theft Premium Surcharges on Auto Insurance Policies

By Goldfinger Injury Lawyers

On June 22, 1990, the Ontario Government introduced the threshold for general damages in car accident cases. This meant that each injury needed to be deemed as a “serious and permanent impairment” of an important physical or psychological function. If the personal injury did not meet the medico legal threshold in the eyes of a Judge, then the case on damages for pain and suffering would fail,; regardless of fault. This seemed rather harsh to an innocent accident victim, but it was the new state of car accident law in the Province of Ontario.

The reason the threshold was introduced by the Ontario Government was to reduce the amount of personal injury claims. The fewer claims, the less money that insurers would need to pay out. This would save insurance companies huge sums of dollars. Those savings were intended to be passed along to every day drivers; like you and me. This is important because having car insurance in Ontario is mandatory when you drive a car. That makes car insurance a hot button election issue. Drivers want cheap insurance. Cheaper insurance was the promise from insurers and the government when the threshold was introduced. This was the trade off and the handshake deal between insurers and the government.

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Published on: February 22, 2024

More Defendants: More Problems in a Personal Injury Case

By Goldfinger Injury Lawyers

Personal injury cases are never as simple as they might appear to be.

The case of an apparently simple slip and fall, just isn’t so simple.

On the surface, the case is very easy to summarize. A person is walking on a private walkway. The walkway was not properly maintained for the winter. The person slips, falls, and breaks their ankle. Ouch!

On the surface, the Plaintiff would sue the private property owner. That makes total sense. The dynamic of the litigation would be a single Plaintiff against a single insurer acting on behalf of the private property owner.

But that’s not what actually happens.

The private property owner is not a single entity. The property is owned by three different corporate entities (that’s three different defendants). All of these Defendants may have different insurers for the loss, or they may have the same insurer under one policy. Your personal injury lawyer can find this out once the litigation proceeds.

The property owners inform your personal injury lawyer that there was a property management company. That’s an additional Defendant to add to the mix, with a different insurer altogether.

Now that the property management company is added, they inform you that there was a winter maintenance contract in place. That’s a 5th Defendant to the mix.

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Published on: November 10, 2023

Can I sue people for being annoying or disagreeing with me?

By Goldfinger Injury Lawyers

The title to this Toronto Injury Lawyer Blog post may strike you as a bit odd; but it’s one of the top questions I’ve been receiving since the horrific terrorist attacks of October 7, 2023.

What makes Canada a great country is that we have all sorts of freedoms. But, these wonderful freedoms are not absolute.

In a multicultural society, and in a more homogeneous society, not everyone is going to agree on the same issues, statements or views. It’s a fact of life.

When people don’t agree, or hear things that they don’t like, they can get mad or upset. This may cause them to yell, or even to say grossly offensive, or racist statements. Things might get so heated that it results in damage to property, or physical violence.

So, when someone is shouting racist, homophobic, vile or antisemitic comments at you or at at group, does this make grounds for a viable civil lawsuit against that person, or group of people?

Great question!

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Published on: October 25, 2023

When the at fault driver doesn’t have car insurance in Ontario

By Goldfinger Injury Lawyers

It’s a legal requirement to drive a motor vehicle with car insurance.

Section 2(1) of the Compulsory Automobile Insurance Act states:

Compulsory automobile insurance

2 (1) Subject to the regulations, no owner or lessee of a motor vehicle shall,

(a) operate the motor vehicle; or

(b) cause or permit the motor vehicle to be operated,

on a highway unless the motor vehicle is insured under a contract of automobile insurance

In plain language English, this means that if you are driving a motor vehicle without insurance, you are breaking the law.

The consequences for breaching the Compulsory Automobile Insurance Act can be significant. It’s not a criminal offense, but the fines and consequences for driving without car insurance can add up quickly.

Section 2(3) of the Compulsory Automobile Insurance Act sets out the penalties for driving without insurance. Those penalties are set out below. If you don’t want to read the “leagalese”, I’ll quickly summarize those penalties for you. A Justice of the Peace can fine you (not more than $50,000 after multiple offenses), can take away your driver’s license, can impound your car, and can charge you for the costs of impounding your car.

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Published on: September 28, 2023

Car Keys and Car Insurance Coverage in Ontario

By Goldfinger Injury Lawyers

When you think of a car accident case, the basic premise is that there was an accident; an at fault party; and the at fault party is responsible to pay for the injured party’s damages and losses.

Some cases certainly work that way. But the vast majority of cases do not.

There are a lot of moving parts behind the scenes which non-lawyers rarely see; but which lawyers see all too often.

These moving parts have to deal with insurance coverage. Insurance coverage will result in the defendant’s ability to pay for a Plaintiff’s damages and losses.

You see, it’s not enough for a Defendant to be found responsible for pay for the damages and losses in a personal injury lawsuit.

Just because a Defendant is deemed responsible, does not translate into a Defendant’s ability to pay for those losses. This is a very important distinction.

Take the example of a Defendant who has no assets to his/her name, and who is in tremendous debt. How would that individual Defendant have the ability to pay out of a Judgment awarded against him/her? It wouldn’t be possible unless that Defendant was put on some sort of payment plan which s/he would never be able to fulfill. In Canada, simply because you don’t pay a debt does not mean that you go to jail. Nor does it mean that you have to give up all of your worldly belongings.

And it’s for these very reasons that the topic of insurance coverage is so important in a personal injury case. Coverage will determine whether or not there are real assets there for a Plaintiff to recover upon. It will also determine who is responsible to pay for what. Continue reading →

Published on: June 28, 2022

An Arborist, a Can of Beer and a Chainsaw

By Goldfinger Injury Lawyers

Sounds like a typical law school fact pattern for a tort case.

A property owner retains an arborist to do a routine pruning job on a set of Norwich Maple Trees in his yard.

The arborist advertises that he is both “licensed” and insured.

Upon attending at the job site, the arborist begins to unload his equipment from his van. It includes all of the normal stuff which any arborist would carry: spikes for climbing trees, ropes, counter weights, pylons and chain saws etc. But is also includes something which you shouldn’t find on any job site; an open container of alcohol; in this case a tall boy of beer.

Having an open can of beer may not seem like a big deal. The general labourers there to help the arborist tell the property owner that having a beer on the job site isn’t a problem; and that they do it all the time. They tell the property owner that this is just the way that the licensed arborist works. He needs beer to concentrate and do his job. They are trying to pass this off like it’s all normal.

The notion that a man climbing 20+ feet in the air; with a large gas powered chainsaw; needs to be fueled by alcohol isn’t normal whatsoever.

Yet, this is what the arborist and his friends tried to convey to the property owner.

In case you are wondering, that property owner was me. And I’m a personal injury lawyer. And I wasn’t having anything of it.

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Published on: March 16, 2022

Loosening of Pandemic Restrictions and Personal Injury Claims

By Goldfinger Injury Lawyers

Ontario is scheduled to drop most mask mandates by March 21, 2022. Whether or not this is the right move or not has nothing to do with being a personal injury lawyer; so I’ll just stay in my lane.

But, in creeping closer to this date we have seen an uptick of assault calls surfacing at our law firm. These assault claims are no uncommon, only we have seen more and more of them as the pandemic has dragged on.

It has become apparent to me that over the course of the pandemic we have forgotten how to interact with one another and share public spaces. It seems that more of us have a sense of entitlement, together with a disregard or a lack of respect for the safety and security in public places. In other words, we forgot how to share space and how to interact in public groups. This is something that will take time to re-learn. But, we will get there.

In the meantime, what do you do when a stranger assaults you? Do you have a personal injury case? And if so, how do you pursue that claim?

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