Toronto Injury Lawyer Blog

Published on: April 6, 2022

Do I have a personal injury case?

Do I have a personal injury case? You be the Judge.

Once upon a time there was woman who was walking in a public park. It was winter and cold and icy. In the middle of the park stood a large snow covered hill. There was no visible path up the hill because it was covered in snow and ice. The hill had been used by children for tobogganing, but there was nobody tobogganing on that particular day.

There were signs along the hill from the City/Municipality stating “Hill and Paths not maintained in the Winter. Use at your own risk“.

The hill was both high, steep, snow covered and slippery. But it was also very tempting and mysterious for the woman in the park who was standing at the foot of the giant hill. What could be on top of the hill? What could be on the other side of the hill? Am I strong enough to climb the hill and make it all the way to the top? Do you think that I would set a record for being the first person to climb the hill in the winter? If I climbed the hill on my own, would I win a prize? Perhaps I would be on the news for climbing this glorious hill….

So many questions, so little time; and such a tempting hill.

The woman could not resist. Her curiosity got he best of her and she proceeded to climb the hill. Slowly but surely, she summited to the top of the hill. But when near the top of the hill she lost her footing and twisted her ankle. She was not able to walk properly for days and needed some physiotherapy.

Now the woman calls a personal injury lawyer and shared her story of the giant hill in the public park. She wanted to sue the hill and sue the City/Municipality for not making the hill safe for people to climb in the winter. She wants to sue the manufacturer of her boots for not making the sturdy enough for the climb atop the hill.

It begs the question: Do I have a personal injury case?

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Published on: March 29, 2022

Getting paid interim benefits after you get hurt or seriously injured in Ontario

By Goldfinger Injury Lawyers

There are serious misconceptions of how people get paid, or receive benefits after they’ve been seriously hurt or injured in an accident.

You’ve likely heard stories of insurance companies paying for an accident victim’s lost wages, treatment costs or even getting them a modified vehicle or modified home before their case even settles.

Some of these things might be true. Some of these things might be false.

At the end of the day, it’s this sort of misinformation which creates large scale confusion as to what benefits get paid, and what benefits don’t get paid before a case even settles.

Goldfinger Injury Lawyers would like to set the record straight with this instalment of the Toronto Injury Lawyer Blog.

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Published on: March 23, 2022

Running a Personal Injury Law Practice with COVID

By Goldfinger Injury Lawyers

In March 2021 my daughter tested positive for COVID. She contracted it simply by going to school. She was asymptotic, but the positive test certainly impacted her mindset.

At the time she tested positive, Toronto Public Health had some pretty strict quarantine mandates for people who tested positive, or for people who had close connections with people who had tested positive. The result for my family amounted to a 31 day quarantine/isolation period. I have never been on home arrest, but I can imagine that was what it would feel like.

Earlier this week my son tested positive for COVID. I tested positive for COVID the same day.. Thankfully we are both doing fine in the circumstances. Raspy voice, cold like symptoms, body aches. Nothing terrible and we hope these symptoms don’t worsen.

For most parents with children under the age of 10; the most difficult thing about living with COVID isn’t the COVID itself. It’s having to watch and engage with the children while everyone is isolated at home. It sounds easy; but it isn’t; particularly after a long 2 years of on again, off again lockdowns. It hasn’t been the COVID that’s scared me. It’s the isolation and quarantine. While the quarantine times have shifted from 30 days, down to 15 days, down to 5 days; those days of quarantine add up and remain hard for parents with young children. There is only so much children can tolerate being on lock down inside of their homes. It’s not natural for kids or parents alike.

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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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Published on: March 10, 2022

Critical Illness Claims

By Goldfinger Injury Lawyers

Sometimes things which are presented to you sound too good to be true. This can ring true in the sale of insurance products; such as critical illness insurance. When things sound too good to be true, they should be looked at with skepticism.

Our law firm handles critical illness claims. Anyone can purchase a critical illness policy and receive coverage (provided that they are approved for said coverage). More often than not these policies are sold by independent insurance brokers/agents.

As with any industry, there are some excellent brokers/agents. And there are some less than excellent agents/brokers.

Ultimately selling insurance is largely a commission based business. The more policies which an insurance broker sells, the more money s/he will earn. That means there is a direct financial incentive for a broker to sell you a policy of insurance; whatever that policy might be.

Many people want to protect themselves in the event of injury, disability or illness. One of the ways of doing so is by purchasing a critical illness policy. Of all of the living policies, the critical illness policy is the equivalent to hitting the jackpot on the slots in Vegas. It’s a lump sum payout for a critical illness as defined by the policy. This is attractive for many consumers when comparing it to a disability policy which pays a monthly disability benefit which is subject to an all source offset and whereby the definition of disability changes at the two year mark. One lump sum from the insurance company sounds much better to most people. There is no need to worry about an on going multi year relationship with the insurance company. If all goes well the insured can receive his/her lump sum payout and move on with their lives. As oppose to a long term disability claim where the insured will be in a month to month relationship with the insurance company until the end of the claim (which can take many years to wrap up).

Critical illness policies are high risk, high reward policies which insurance companies don’t so easily pay out on. They will require substantial medical evidence in order to approve your claim. It’s not as easy to get approved as you will think.

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Published on: March 4, 2022

Humanitarian Aid Relief Boxes for Ukraine

By Goldfinger Injury Lawyers

Goldfinger Injury Lawyers is reaching out to you to help those suffering in Ukraine.

We are contributing to an organization which is sending out humanitarian aid relief boxes to Ukraine called Meest. Here is a link to their website:

https://ca.meest.com/humanitarian-aid-packages-for-ukraine-ca

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Published on: March 1, 2022

OCF-1

By Goldfinger Injury Lawyers

The OCF-1 is the Application for Accident Benefits.

How do I get an OCF-1?

Getting an OCF-1 Application for Accident Benefits is very easy. You can download a copy here at from the website of the Financial Services Commission of Ontario. But most people get the OCF-1 from their car insurance company after a car accident. The car insurer will send the OCF-1 Application for Accident Benefits to you by regular mail, courier or by email. You can also ask a personal injury lawyer for the OCF-1. Most personal injury lawyers have access to these forms; not that it’s anything special because these are public forms.

The only problem with getting the OCF-1 on your own (not from the car insurer) is that you won’t know your claim number, or the name and contact information of the insurance adjuster who is assigned to your claim. What you don’t want happening is submitting the OCF-1 to the car insurer only for it to “get lost” in the void of mail which car insurers receive everyday. If there is no claim number and no adjuster assigned, you would hope that a file gets opened. But more often than not what happens is that the claim gets put aside and a file does not get opened. This isn’t right, but this is what can and what often happens if there isn’t a claim number or an insurance adjuster assigned.

Can an insurer be penalized for this sort lack of attention to a file? Sure. But getting to the bottom of that could take months or years. In the meantime the accident victim is not receiving the benefits which s/he needs. Take a more practical approach to this. Ask for a claim number and get the name and contact information of the insurance adjuster. Send the OCF-1 to him/her by email, fax and registered mail so that you know the adjuster receives it. This way your claim will get moving forward and you will get the benefits you need in a timely manner (we hope).

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Published on: February 21, 2022

Car Insurance and the Ottawa Freedom Convoy Protest

By Goldfinger Injury Lawyers

I was talking to my father about the Ottawa Freedom Convoy Protests and what to do about them. This was before PM Trudeau announced the that his government would be implementing the *Emergencies Act and before the police finally did some real police work and cleared out most of the trucks and protesters.

*Note: Canada was NOT facing a National Emergency when PM Trudeau accounced that his government would be implementing the Emergencies Act. The protests at the border crossings in Coutts Alberta and Windsor Ontario had long been cleared up. While there were smaller protests happening sporadically across Canada; these protests did not amount to a NATIONAL EMERGENCY. The protests in Ottawa amounted to a localized emergency isolated to a few blocks of downtown Ottawa. While these protests may (or may not) have presented real or potential security issues; these were localized issues which the municipal police and provincial police ought to have dealt with. But they had a really hard time dealing with them for reasons that I, nor will many Canadians really understand. Did they not see this coming!?!?!?!?! Had they not seen a protest before? Why were they so unprepared and so unwilling to act? How is it that the G-20 Toronto protests, Black Lives Matters protests and any Indigenous protests (BC, Belleville, near any pipeline) get cleared up so quickly by police (often using force), yet for this protest it seemed like authorities rolled out the red carpet to the protesters? But that’s a topic for another day, perhaps from a Civil Rights Lawyer.

Back to the topic of what amounts to be a National Emergency and whether or not the Ottawa Truck Protest qualified as such. The definition of “National Emergency” under the Emergencies Act is as follows:

National emergency

3 For the purposes of this Act, a national emergency is an urgent and critical situation of a temporary nature that

(a) seriously endangers the lives, health or safety of Canadians and is of such proportions or nature as to exceed the capacity or authority of a province to deal with it, or
(b) seriously threatens the ability of the Government of Canada to preserve the sovereignty, security and territorial integrity of Canada

and that cannot be effectively dealt with under any other law of Canada.

The Ottawa Police Service and the Ontario Provincial Police ought to have been able to deal with this situation without the implementation of the Emergencies Act. Implementing the Emergencies Act should only be done when facing a real National Emergency. While it’s embarrassing that the capital city of a G7 nation can be blockaded by a few trucks, this is not a National Emergency. This is a time for the Ottawa Police, the OPP and the National Capital Commission to reflect on the lack of preparedness, lack of urgency and lack of security in Ottawa. It should have never reached a point whereby Ottawa was blockaded for 3 weeks. But I digress back to topics as they relate to personal injury law and car insurance to keep things on point.

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Published on: February 18, 2022

Ingredients matter for a successful personal injury case

By Goldfinger Injury Lawyers

A well respected personal injury mediator recently compared a successful mediation to baking. It takes great ingredients to bake a great cake. The same as it takes a lot of different pieces of evidence and factors to make for a successful case or mediation. Just as one ingredient cannot make a cake. One piece of evidence or factor cannot make for a great case or mediation.

I love that analogy on so many levels.

Firstly, I like great cake. Who doesn’t? Yum!

Second: he is absolutely right. It takes great a lot of evidence to make for a great case. As it takes the parties working in harmony to get to “Yes” during the mediation process. Getting the ingredients right is required to get the deal done.

Finally and most importantly; the analogy which the mediator used (comparing needing great ingredients to bake a great cake to a successful case or mediation) is simple and easy for anyone to understand. I’ve found that easy to understand and easy to relate to analogies work best with accident victims. All too frequently lawyers and other actors in the personal injury litigation system forget that Plaintiffs haven’t done this sort of thing before.

In all likelihood it’s their first time hiring a litigation lawyer; it’s their first time suing; it’s their first time being exposed to the underbelly of personal injury litigation in Ontario; it’s their first time hearing legal terms that lawyers throw around.

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Published on: February 9, 2022

Treatment after a car accident in Ontario

By Goldfinger Injury Lawyers

Many clients and prospective clients want to know where they should go for treatment after a serious car accident in Ontario.

It’s a common question because there are so many options and there is no “right way” of doing it. But there is certainly a wrong way of getting treatment.

For starters, there is no substitute for seeing your family doctor, or any other doctor for that matter who is covered by OHIP. These doctors are free and have no vested interest in your personal injury case. All they want to do is see that you get better and get the treatment you need. There’s nothing wrong with that.

Where people go wrong is that they leave their family doctor (or nurse practitioner) out of the picture when it comes to their post accident wellness and rehabilitation. Your family doctor is probably THE MOST IMPORTANT person when it comes to getting the treatment you need.

Lawyers and Judges rely heavily on the clinical notes and records of your family doctor.

Your family doctor can prescribe you with medication to get better. Your family doctor can make referrals to other specialists to help you recover. Your family doctor can request an x-ray, CT Scan, MRI or refer you to a pain clinic or brain injury program (all covered by OHIP). These are indicators to lawyers and to insurers that a Plaintiff is in pain and that something has gone wrong. If those diagnostic tests come back with objective evidence of a serious injury then it’s very hard for an insurer to refute that nothing is wrong with that Plaintiff. The doctor will know what’s wrong with his/her patient so that the patient can get the treatment which s/he needs. Don’t leave your family doctor or nurse practitioner out of the loop. A physiotherapist, occupational therapist, naturopath, chiropractor or social worker is NO SUBSTITUTE for your family doctor or nurse practitioner.

If you don’t have a family doctor or nurse practitioner, don’t fret. Get on a waitlist. These waitlists clear up faster than you would think. While you’re waiting, go to a Walk In Clinic or to your local Urgent Care or Emergency Department for check ups or for pain management. If you go to the same Walk In Clinic with frequency, they will get a sense of what you’re going through. It will be reflected in the records. Walk In Clinic doctors can make the same referrals and prescribe the same medication as a treating family doctor. If you have a health card, then you have access to a walk in clinic or urgent care clinic.

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TORONTO INJURY LAWYER BLOG