Articles Posted in Insurance

Published on:

By

The hottest insurance product on the market over the past 5 years has been critical illness insurance or “CI”. What is critical illness insurance? Basically, it’s a policy of insurance which gives you a lump sum payment in the event you sustain a critical illness such as a heart attack, stroke, cancer, blindness, HIV/AIDS, or other critical illness as defined by your policy.

By taking out a policy of critical illness insurance, you’re betting against your own health. You’re saying: “I know I’m going to get really sick, a heart attack, or a bad disease and I want to be compensated for it“. Many see this as a smart bet given the increased reports of heart attack, cancer and other disease.

But what might seem like a simple concept; I get really sick so I get paid a lump sum from the insurance company; isn’t so simple. These critical illness insurance policies contain tens of dozens of exceptions which make it very difficult to make a successful claim.
Continue reading →

Published on:

By

99% of personal injury cases in Toronto settle outside of the Courtroom. That means that of all of the personal injury actions started in Toronto, only 1% of them ever go to trial.

So, how do the other 99% of personal injury cases in Toronto get resolved? Some settle at the insurance adjuster level. Others settle between the plaintiff personal injury lawyer in Toronto and the lawyer for the insurance company. This can be done by way of without prejudice settlement proposal or by way of a simple phone call. Other cases might settle with the assistance of a Judge at a Pre-Trial. A Pre-Trial is a without prejudice settlement conference before a Judge, often in chambers so NOT in Courtroom. The Judge will attempt to narrow the issues before the trial, might try to resolve the case, and if the Judge is unable to do so, that Judge may provide his/her opinion about the personal injury case.

In Toronto, mediations are mandatory for all personal injury cases. That means that all car accident cases, slip and fall cases, long term disability cases, https://www.personalinjurylawyertoronto.com/lawyer-attorney-1852946.html, chronic pain cases, spinal cord injury cases, and any other personal injury action started in Toronto will have to be mediated before it can go to trial.
Continue reading →

Published on:

By

Examination for discovery can make or break an accident victim’s case, so this article is an important read if you have an upcoming examination for discovery in a personal injury case.

What is an examination for discovery? In the United States, they’re referred to as “depositions“. Here they’re referred to as “discoveries”.

Basically, you and your lawyer are asked questions from the opposing lawyer. The questioning takes place at a Court Reporter’s offices, which is essentially a board room. The Court Reporter records everything that’s said during the discovery and makes a record of it. Everything that’s said during the discovery, while on the record, is on the record and will be used against you at trial. If your testimony at trial doesn’t jive with your testimony at trial, the opposing lawyer will try to paint you out to the Court as an unreliable source of information whose testimony cannot be relied upon. What you say at discovery will be held against you. Your words matter, so be mindful of what you say.
Continue reading →

Published on:

By

It’s gets really cold and snowy in Toronto, London, Peterborough and other parts of Ontario. That’s why so many of us Ontarians flee the cold weather for warmer pastures in the winter.

My wife and I are just like you. We don’t like the cold very much so we recently went to Florida to leave for a Caribbean cruise. It was a blast. Editorial note: we were on the largest cruise ship in the word; what a treat! (go during an off season as it was 75-80% full).

We flew in to Miami, stayed with a friend, and he took us to Fort Lauderdale. We were so happy that we wouldn’t be rushed to catch our cruise ship straight from the airport. We thought we were being smart. We had plenty of time to pack up our stuff and catch our boat. But enroute to our ship, we were involved in a car accident. Can you believe that! It seems like my work as a Toronto Personal Injury Lawyer at Goldfinger Injury Lawyers just follows me wherever I go!
Continue reading →

Published on:

By

Stop using exclamation marks! I can hear (read) you loud and clear. Yes, I know the Toronto Raptors have now won 2 games in a row. Yes I know they beat Phoenix and Utah on back to back nights. Yes I know that Andrea Bagnani deserves some All Star consideration if he can stay healthy. I can’t believe it either. But seriously, we have some more pressing matters to attend to.

Every day, I get calls from prospective clients inquiring about whether or not I can help them with their long term disability claim. I hear the same story. I’m hurt. I can’t perform my job. I’ve applied for Short Term and Long Term Disability Benefits. I’ve been denied. Now I’m not getting paid and money is running out. I’m scared. I’m worried. I’m in pain and I have no source of income. What can I do?

My advice aside from buying a guaranteed winning lotto ticket is to get a personal injury lawyer. If you’re in a non-unionized workplace, or if your long term disability benefits are not governed by your collective agreement, a personal injury lawyer like Brian Goldfinger personal injury lawyer to the stars in Toronto can help.
Continue reading →

Published on:

By

Car insurance is expensive and complicated. It’s the last thing people think about when purchasing a new vehicle. It’s also the last thing which personal injury lawyers want to write about, and explain to people. I’m asked all the time, why it’s necessary to have car insurance if you don’t plan in getting to a car accident. Well, nobody plans to get in a car accident, unless you’re a fraudster who stages car accidents in Toronto; drive Monster Truck or your name is Evel Knievel.

For starters, having car insurance is the law in Ontario. If you drive a car, truck, van or motorcycle, the Insurance Act requires that you have a valid policy of car insurance. If you’re driving a car or motorized vehicle without a valid policy of car insurance, then you’re breaking the law and putting yourself at enormus risk. If you’re driving with a policy of car insurance which has expired, then you’re driving with no insurance.
Continue reading →

Published on:

By

Got car insurance: Check Got a car: Check Driving the car in Ontario: Check Seat Belt on: Check Following the rules of the road: Check Crash Boom Bang Car Accident resulting in serious personal injuries requiring a personal injury lawyer: Got Goldfinger Injury Lawyers: Check
Alright. So what’s next? Let’s only focus on the accident benefit part of this claim and NOT the tort part. The tort part is a completely separate process and won’t get you immediate money. Accident benefits were designed by the government and insurance companies to get injured accident victims money in their time of need regardless of whose fault the accident was. This is why we pay for insurance right?
Continue reading →

Published on:

By

It’s the holiday season! Time to get together with family, friends and loved ones and celebrate what matters most.

This holiday season, you’ll notice a few changes to the Goldfinger Injury Lawyers website. Number 1: It’s got a new look, new content and a new layout. We want to keep things “fresh” for the new year so we can keep up with the latest in personal injury, traumatic brain injury and legal car accident news and developments in Ontario.

Number 2: We also have a new look and a new feel for our blog. Let us know what you think about it.

Diving in to our reader mailbag, I have a question from Brett in Toronto. Brett asks:

“Brian, Merry Christmas to you and the team at Goldfinger Injury Lawyers. What is it you want for Christmas this year?”
Continue reading →

Published on:

By

Our office gets a number of calls every week from people wanting to know if they qualify for Long Term Disability (“LTD”) benefits; how they can make a claim; or just how their LTD policy works.

This article in intended to give you a bit of help in better understanding the complicated world of Long Term Disability Benefits.

    LONG TERM DISABILITY BENEFITS: WHAT ARE THEY?
Continue reading →
Published on:

By

In the case of Keam v. Caddey, the Ontario Court of Appeal ordered that the insurance company pay to the Plaintiff $40,000 in ADDITION to damages for pain and suffering because the insurance company REFUSED to participate in the mediation process before the case went to trial. The Insurance Act REQUIRES that parties in a car accident case MEDIATE the disputes before it goes to trial. Our legistlature has also called for Mandatory Mediation in certain provincial jursidictions, like Toronto. The Ontario Court of Appeal found that the insurance company’s hard ball tactic of REFUSING to MEDIATE warranted a $40,000 penalty against the insurer.

The Honourable Justice Kathryn Feldman writing for the Ontario Court of Appeal stated “it is this approach that the legislature has disavowed by making mediation mandatory.”

My comments about this decision were quoted in the recent edition of the Law Times Journal. The link to the article is:

Continue reading →
OTLA American Association for Justice Lexpert Ranked Lawyer
Contact Information
Toronto Office
167 Sheppard Ave W
Toronto, ON M2N 1M9
Phone: (416) 730-1777 Toll Free: (877) 730-1777 Fax: (416) 730-0955
London Meeting Office
341 Talbot St
London, ON N6A 2R5
Toll Free: (877) 730-1777
Peterborough Meeting Office
420 George St N #313
Peterborough, ON K9H 3R5
Toll Free: (877) 730-1777
Kitchener Meeting Office
290 King St E
Kitchener, ON N2G 2L3
Toll Free: (877) 730-1777
Owen Sound Meeting Office
1051 2nd Ave E
Owen Sound, ON N4K 2H8
Toll Free: (877) 730-1777

Past results are not indicative of future results.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Please do not include any confidential or sensitive information in a contact form, text message, or voicemail. The contact form sends information by non-encrypted email, which is not secure. Submitting a contact form, sending a text message, making a phone call, or leaving a voicemail does not create an attorney-client relationship.

Copyright © 2025, Goldfinger Law
JUSTIA Law Firm Blog Design