Published on:

By

The unfortunate realities of Long Term Disability Claims is that in order to be on claim, you can’t be working. If you’re not working, that means that you’re not earning an income.

Whether you live in a big city like Toronto, a medium city like London, or on the outskirts of Peterborough, love alone won’t pay your rent, mortgage, pay for the food for your family, or pay the heating or hydro bills.

People need money to survive, and money doesn’t grow on trees. People need to go out and earn money by working.

But what if their doctors told them that they cannot work?

What if living on a pension, on OW, ODSP, or CPP Disability isn’t enough?

At Goldfinger Injury Lawyers, we understand that making ends meet, even for able bodied people is hard enough. Multiply that degree of difficulty times 5 if you’re disabled. Increase that degree of difficulty if an insurer like Manulife, Great West Life, Sun Life, SSQ, RBC, Industrial Alliance or Co-Operators has denied your Long Term Disability Claim.

The stress of having a Long Term Disability Claim denied in the first place is hard enough. Let alone the devastation of the denial itself. Compound to that the financial hardship that disabled claimant are under; it’s unconscionable.

Continue reading →

Published on:

By

An Ontario MPP’s private member’s bill proposed that pedestrians not paying attention to where or how they are walking, could be fined up to $50 for distracted walking.

It’s called the “Phones Down, Heads Up Act” and was tabled by Toronto MPP Yves Baker of Etobicoke Centre.

Baker’s bill would ban people from looking at their phones or electronic devices when crossing roads, with an initial $50 fine for the first offence, $75 for the second and up to $125 for the third. Exceptions would include pedestrians making an emergency call or if they began speaking on the phone before stepping into the crosswalk (this would be difficult to prove).

In Ontario, the OPP attributed 65 deaths in 2016 to distracted driving, which is more than impaired driving, speeding or not wearing a seat belt. While this is not distracted walking, it’s certainly along the same lines. In 2016, 42 pedestrians were killed on Toronto’s streets, the most since 2002.

Here are Goldfinger Injury Lawyers, we applaud the “Phones Down, Heads Up Act” as too often, we see people taking those so called “zombie walks” without paying attention to where they are going, or what they’re doing.

But, we have a lot of questions about the new Act, which are explored in greater detail below.

Please keep in mind that distracted walking does not only involve accidents involving pedestrians, and cars, bikes or other motorized vehicles.

People walk in to pot holes or cracks or lose their footing on account of not paying attention to where they are walking .

People walk in to lamp posts, doors, walls, guard rails, other pedestrians, parked cars and fall down stairs because they are not paying attention to where they are walking.

People slip on ice or other slick surfaces because they aren’t paying attention to where they’re walking.

You have all seen the YouTube clips before of ridiculous distracted walking incidents. Our personal injury lawyers field some of those calls.

Continue reading →

Published on:

By

Your personal injury lawyer may have shared the term “Examination for Discovery” with you when describing the next step in your case.

This may be the first time you’ve heard this legal term.

Understanding what it means to participate in an Examination for Discovery, and why a discovery is important for your personal injury case, will help you better understand and make you feel more comfortable with your case. An understanding and more comfortable client will perform better when it matters most.

After reading this Toronto Injury Lawyer Blog Post you may likely still be nervous for an upcoming Examination for Discovery.

Rest assured; these feelings are NORMAL! It’s perfectly normal to get nervous or anxious to participate in a discovery if you’ve never done one before. Even if you have participated in one, you never know what to expect.

Unless you’re a lawyer who has done hundreds or thousands of Examinations for Discovery, you will likely have a hard time sleeping the eve of discovery on account of nerves. Use those nerves to your advantage to keep you sharp and alert throughout the discovery process instead of having those nerves work against you.

Continue reading →

Published on:

By

To structure, or not to structure? That is the question for the purpose of this entry in the Toronto Injury Lawyer Blog. Sometimes, whether to enter in to a structured settlement is not an option; rather a requirement. Other time, you may have a decision to structure or not.

WHAT IS A STRUCTURED SETTLEMENT?

A structured settlement is a negotiated financial arrangement whereby an injured accident victim agrees to accept a usually large lump sum of money in the form of a settlement from a personal injury claim. That lump sum is then placed in to an interest bearing financial instrument (called a structure) which gets paid out in periodic payments over a long period of time to the Plaintiff.

Instead of receiving one large lump sum at one time, the Plaintiff instead receives periodic payments (usually every month) set over a schedule which normally lasts a life time.

The monthly payments, administration and maintenance of the structure are not charged to the person receiving the structure, unless otherwise specified.

Continue reading →

Published on:

By

Attendant care benefits.

What are they?

How do they work?

How do I get compensated? For how much and for how long?

These are all important and common questions after a serious car accident in Ontario.

The law surrounding attendant care benefits has changed significantly since they were conceived under the Statutory Accident Benefits Schedule (SABS) and Insurance Act. For whatever reason, insurers and the government like to tinker with attendant care benefits thereby changing the laws on what seems to be an annual basis.

Continue reading →

Published on:

By

Car accident cases in Ontario should be simple.

The premise of one car, hitting another car by mistake or negligence; and thereby causing damages/injuries to another party ought to be basic tort law.

Unfortunately in Ontario, this couldn’t be further from the truth. The Ontario Government, at the behest of large insurers has created a system whereby the rights of people are not equal to the rights of large insurance companies. This system has become very complicated.

The law has been crafted in such a way as to minimize the exposure/risk for insurers to boost their profits, at the expense of everyday people like you and me.

I have never met an individual unaffiliated with car insurance industry (doctor, therapist, adjuster, lobbyist, lawyer, insurance company employee/agent) who has lobbied for changes to accident benefits or the Insurance Act. Yet, major changes to accident benefits and the Insurance Act happen on a near annual basis.

The election issue of lowering car insurance premiums was admitted by Premier Wynne to be a “stretch goal“. But reforms to the accident benefit system, and how tort claims proceed through the Courts was not a election issue. Yet these items are constantly being tinkered with at the expense of innocent accident victims to bolster insurer profits.

Continue reading →

Published on:

By

If you are hearing a roar of applause, and perhaps laughter in delight, it’s coming from high atop the corporate head quarters and legal offices of auto insurers across Ontario.

Insurers won large in two recent Court of Appeal decisions which were released earlier this month:

El-Khodr v. Lackie, 2017 ONCA 716

Cobb v. Long Estate, 2017 ONCA 717

In the Cobb decision, a Jury verdict of $220,000 in favour of the injured accident victim plaintiff, was reduced by the Ontario Court of Appeal to just $22,136.60. After applying the statutory deductible for pain and suffering claims, that meant the case had no value whatsoever.

This case took 19 days to try before a Jury. Costs were awarded to the Plaintiff in the amount of $409,098.48. That cost award by the trial judge was completely eliminated by the Ontario Court of Appeal, who ruled that “in the circumstances, in my view, the fairest result to both sides is that each party bears its own costs“.

The Insurance Act and car accident legislation is intended to be consumer protection legislation. There are reasons that there are (and were) cost provisions against large insurers to ensure that the scales of justice were not tipped in their favour when it comes to the money required to litigate disputes.

Continue reading →

Published on:

By

The Liberal Government of Ontario plans to introduce new tougher penalties to crack down on careless and distracted driving, this fall.

The Honourable Minister of Transportation Steven Del Duca, along with some other MPPs, announced the new measures today in Toronto.

The legislation, if passed, is supposed to protect pedestrians and cyclists and reduce the number of fatality claims involving people killed or injured by drunk, distracted, impaired and/or dangerous drivers.

Continue reading →
Published on:

By

One of the most common questions which personal injury lawyers must answers is “how much is my case really worth“?

This question is never easy to answer. These questions are largely fact specific. Even the most serious analysis of the facts and evidence cannot predict the answer with pin point accuracy. The reason for this is that the majority of personal injury cases are heard by juries. Juries by their very nature are unpredictable. Judges can be unpredictable as well. If the Judge and Jury like the Plaintiff, then the award will likely be larger. If the Judge and Jury don’t like the Plaintiff, then the award will likely be smaller. In any event, predicting the outcome of a personal injury case, along with predicting the value is not an exact science.

There are certainly guidelines and parameters which personal injury lawyers use to predict the range of damages for a case. Precedent case law is certainly the most accurate tool for that. The general public can look up old cases FOR FREE on a great website called Canlii.

Free to use. Easy to navigate. With relatively good case updates, although not a comprehensive list of cases; Canlii is certainly an excellent resource even for the non-lawyer.

Some easier predictors for case valuation are long term disability cases. The reason being is that we are fighting over benefits which can mathematically be quantified and are payable over a fixed period of time pursuant to the Long Term Disability policy in place.

Continue reading →

Published on:

By

Our personal injury lawyers constantly field questions from prospective clients regarding the basic steps of what to do after they’ve been involved in a car accident in Ontario.

We must admit, the laws surrounding car accidents in Ontario are confusing. They certainly aren’t straight forward by any means. It comes as no surprise to our lawyers that people have questions, and LOTS of them!

This is why our law firm has put forward this easy to understand claims guide in order to assist you after you or a loved one has been involved in a car accident, motorcycle accident, or have been hit by a car as a pedestrian.

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