Toronto Injury Lawyer Blog

Published on: February 2, 2017

The fine print in your car insurance policy (Ontario)

If you drive a car in Ontario, every year or so, your car insurance needs to get renewed. Come renewal time, your premiums may go up, they may go down, or just stay the same.

Ontario drivers need to purchase insurance in order to drive. This is a requirement under the Compulsory Automobile Insurance Act R.S.O., 1990 c. C. 25: which 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 English, if you drive a vehicle; that vehicle needs to be insured. That means that you, or somebody else needs to pay money to an insurer to have that vehicle insured.

You see a lot of advertising from insurance companies on TV, the internet, at hockey games, even on billboards on our roads. There’s that Knight Mascot from Belair Direct. The “under five minutes” to start your claim schtick from Intact. State Farm has ads which feature different celebrities. They’re all fighting for you business as a consumer of insurance (car, home or otherwise).

But as consumers, insurance is one of the few products which in general, consumers don’t really understand. This is not like buying a pair of shoes or a loaf of bread. Have you ever read the fine print contained in those lengthy policies of insurance? Probably not. It’s all in legalese. Even the personal injury lawyers, insurers and judges don’t get it right sometimes!

Even more remarkable is that the majority of insurance consumers purchase these products without knowing what benefits come with the product. All people care about is the bottom line. How much will their insurance cost? They don’t bother asking the question; what benefits am I entitled to receive from this insurance product in the event of a car collision? How will my insurance protect me in the event of a serious car accident?

None of these questions are asked, or even thought of until it’s too late.

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Published on: January 26, 2017

How to Apply to the Criminal Injuries Compensation Board in Ontario

By Goldfinger Injury Lawyers

If you have been injured as the result of a crime in Ontario, you may be entitled to compensation from the Criminal Injuries Compensation Board (CICB).

What is the Criminal Injuries Compensation Board you ask? Good question!

The Criminal Injuries Compensation Board is a government body which assesses and awards financial compensation to victims of crime in Ontario. This is a nice thing that the Ontario Government has been doing for the public since around 1967 under the Law Enforcement Compensation Act (LECA) came in to force.

The law and compensation structure of the Criminal Injuries Compensation Board has changed a lot since 1967. But, the premise remains the same. The Ontario Government has set aside a pool of money in order to compensate injured victims of crime, for up to $25,000 per claim. This is a nice public service.

Our lawyers are asked why it’s important for the Ontario Government to do this. The answer is that the Criminal Injuries Compensation Board is often the only real method for innocent victims of crime to recover financial compensation for their injuries (not a piece of paper Judgment which is unenforceable).

Earlier this week, the @GoldfingerLaw Twitter Account tweeted out a CBC article regarding Judgment Proof Defendants. The article highlighted a Plaintiff who sued an immigration consultant for having done a poor job. The Plaintiff was successful at trial, and secured a Judgment against the Defendant. But, as it turned out, the Defendant legal consultant was judgment proof.

Being Judgment proof means that the Defendant does not have the money, assets or resources to pay for the Judgment. That’s not fair. I agree. The saying “You can’t get blood from a stone” applies here.

People often wrongly think that an inability to pay a Judgment will result in automatic jail time, or even worse.

That’s simply not true. If you can’t pay a Judgment because you don’t have the money, assets, or resources to do so, you don’t go to jail. You simply have a Judgment clouding your conscious and credit rating until it has been extinguished.

A judgment against a Defendant without money, resources, or any tangible assets is only just a piece of paper, as documented in the CBC article from earlier this week. But Plaintiff lawyers across Canada are taught this early in their law school careers. This is also a handy piece of business advice as well.

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Published on: January 19, 2017

The Case in Support of Contingency Fee Agreements (Ontario)

By Goldfinger Injury Lawyers

The National Post recently ran an article which highlighted a study financially backed by the Insurance Bureau of Canada (IBC) called “A Study of the Costs of Legal Services in Personal Injury Litigation in Ontario“. In case you didn’t know, the IBC is the industry or lobby group which represents the interests of large insurance companies. They are the ones who donate to political parties and influence the way the laws are shaped such that they sway in favour of large, deep pocketed insurers, rather than in favour of innocent accident victims (aka the general public who pay auto insurance premiums).

Here are a few examples of how those laws have been swayed in favour of insurers: It was at the request of insurers that catastrophic benefits were slashed in 2016/2017. It was at the request of insurers that accident benefits in Ontario have been cut year after year. It was at the request of insurers that a threshold and deductible which now sits around $36,920 was introduced for pain and suffering claims in Ontario car accidents.

I have NEVER met an individual who worked outside of the personal injury or insurance industry who was in favour of these changes to Ontario car insurance. I have never met an individual who worked outside of the insurance industry who actively lobbied their local MPP to slash accident benefits. I have never met an individual who worked outside of the insurance industry who was in favour of paying higher insurance rates, yet getting less coverage in accident benefits. But that’s beside the point. Let’s get back to this interesting report/study.

The report was prepared by Allan Hutchinson, of York University’s Osgoode Hall in Toronto.

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Published on: January 12, 2017

Slush, Mush, & Ice: Winter Safety Tips from a Personal Injury Lawyer (Ontario)

By Goldfinger Injury Lawyers

Middle of January in Ontario = snow, ice, sleet, slush and mush! The cold, rain and snow all make for difficult driving and walking conditions. A serious accident can result in serious injury, bringing life long health consequences and long term care requirements.

You would be amazed by the volume of inquiries our law firm gets around this time in relation to accidents caused by hazardous winter conditions (snow, ice, slush, etc.)

1. Here are some quick tips on staying safe, and what to do after an accident caused by snow, mush, sleet, slush or ice. If you’ve been involved in a serious accident, it’s always a good idea to report it to the police or to contact an ambulance for your injuries. The police will be able to properly document how the accident happened, and get the contact and insurance information for the parties involved. If the root cause of the accident is very complicated, the police will even call in a forensic engineering team to investigate the cause of the accident.

2. Don’t be a superhero; seek medical attention! If it hurts right after your accident, chances are it might get worse as time goes on. Best get those injuries looked at sooner rather than later so that you have a proper understanding of what happened as a result of your accident. Continue reading →

Published on: January 4, 2017

Crazy Ontario Car Accident Case to kick off 2017: Bodenstein v. Penley

By Goldfinger Injury Lawyers

New cases are released all the time. In Canada’s common law system, new cases help build and develop our legal system. Think of it as an ever changing, evolving, legal landscape.

Some cases stay the course. Other cases change things slightly. But some cases make your eyes POP and make you question “what was going on in the Courtroom during the trial” or “what were they thinking when they released this decision“?!?!?!?

To kick off 2017 for car accident law cases in Ontario, we have one of those decisions that makes you go “hmmmmmm” and really scratch your head.

Ladies and gentlemen; I hereby introduce you to the Judge and Jury decision of Bodenstein v. Penley, 2017 ONSC 27. This case was just released at the start of 2017.

This was jury trial which appears to have lasted over the course of a few weeks, perhaps even more. A few things to note about this case:

The car accident took place on August 22, 2003
The Jury was charged, meaning that the meat and bones of the trial was done on December 21, 2016
The Judge then released her decision on a motion on liability alone on January 3, 2017

That means that from the date of the car accident, until the date that the trial decision was released from the Judge; 4883 days had passed!!!! For all you geeks out there, that’s 13 years, 4 months and 12 days from car accident to final verdict!!!! Talk about a long time to wait to have your day in Court!

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Published on: December 29, 2016

Long Term Disability Insurance Feedback: From the Blog Mailbag

By Goldfinger Injury Lawyers

Last week’s Toronto Injury Lawyer Blog Post was entitled “Long Term Disability Claim Delay = No Pay (Ontario). If you didn’t check out that blog entry, you can do so here.

We got a lot of positive feedback from our readership which we have been permitted to share with you! We think these comments will provide some helpful insight in to the challenges which people face when making a claim for Long Term Disability Benefits. There is assurance knowing that “you’re not alone” when it comes to understanding how LTD claims work, how LTD policies work, how/why you’re getting denied; and how insurance works in general.

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Published on: December 21, 2016

Long Term Disability Claim Delay = No Pay (Ontario)

By Goldfinger Injury Lawyers

Bills stack up. Particularly around the Holiday season. Unless you’re independently wealthy or have amassed considerable savings, you’re ability to pay off these bills comes through income generated from working (or very generous monetary gifts!). What could be worse than being unable to return to work on account of a disability; or losing your job because you can’t work.

Most LTD Policies pay a monthly benefit at rates of 80%, 70%, or 66% or your net pre-disability income. This leaves a significant shortfall; even if your LTD claim has been approved by the LTD insurer. If you’re lucky, you may have one of those few policies which pay out LTD benefits at a higher percentage. But, those policies are expensive and few and far between.

Many clients want to know how they can speed up the processing and response time of their LTD claim. How can they get approved faster; so that their debt burden is more manageable?

If our LTD lawyers knew the answer to these questions, we would share it with the world. Unfortunately, there is no science behind the speed at which your LTD claim will get approved or denied. A lot of it depends on the insurance adjuster on the other end; the nature of your disability; the culture of the insurance company you happen to be dealing with; along with the amount of medical records involved in your LTD claim. The fewer records which an insurer has to review, the less time it ought to take to deliver a decision on your claim.

But, we see a number of instances where the LTD insurer requests more and more records. One set is just never enough for them to make a decision; one way or another. Some see this approach as thorough; and the LTD insurer is just doing their job. Others see it as frustrating; and an effort by the insurer to latch on to a document to deny a meritorious claim.

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Published on: December 14, 2016

Do’s and Dont’s after a slip and fall accident (Ontario)

By Goldfinger Injury Lawyers

Winter is upon us! Break out the parkas, toques and winter boots and get ready for some blistering cold. This week we are expecting some sub 20 degree weather in Southwestern and Eastern Ontario. Don’t get me started about what it’s like up there in Northern Ontario. It’s been chilly since the beginning of October (so they say).

The drop in temperature presents safety hazards created by winter snow conditions. Ice accumulation makes for some slippery conditions which can be dangerous.

It’s around this time that our law firm sees a spike in calls for slip and fall accidents.

The focus of this installment of the Toronto Injury Lawyer Blog Post will be the “Do’s and Don’ts after you or a loved one has sustained a slip and fall accident“.

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Published on: December 7, 2016

The benefits of retaining Goldfinger Personal Injury Law

By Goldfinger Injury Lawyers

When a client walks through our doors, they will meet with me, Brian Goldfinger; the owner and directing lawyer of Goldfinger Injury Lawyers. I’m the Goldfinger in the Goldfinger Law.

My firm employs other lawyers, paralegals and clerks who assist me. But there are no hidden partners or agents outside of my law firm who you are being passed along to for the legal work on your case. If we take on your case, we will do the work. Your file, along with your personal and confidential information stays with our law firm. It doesn’t get passed along to another lawyer or law firm who you’ve never met or heard of.

What you see is what you get. No games. No gimmicks. Our clients have responded well to this approach; which has helped our law firm grow, one satisfied client at a time. We currently boast four offices across Ontario, with the ability to serve clients across the province.

All our law firm does is Plaintiff side personal injury law. We do not practice on behalf of large insurance companies which defend people. Nor do we practice in any other areas outside of the field of Plaintiff side personal injury and insurance law. Our practice is devoted to suing on behalf of injured accident victims and disability claimants so that they can get the results, compensation and benefits which they deserve.

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Published on: November 30, 2016

Winter Safety Tips from a Personal Injury Lawyer (Ontario)

By Goldfinger Injury Lawyers

There was a great comedy sketch on the Rick Mercer Report last night regarding Winter Driving during the first snow fall of the season.

The Canadian husband and wife drivers experienced a sort of amnesia; such that they forgot how to drive when it snowed. These grizzled Canadians had experienced countless winters before; but driving during that first snow fall of the season was like their first time driving in snow…EVER!

The husband said that he began to lose control of the car because of the snow, and then thought it would be a good idea to drive faster, break harder, and follow other cars more closely because of the snow fall. Thinking this would be a great way to regain control of his car when it began to slide.

The wife suggested turning her lights off during the snow fall to make driving in the snow easier.

They said, that with every snow flake, their memory of Canadian Winter driving got worse and worse. It was because every snow flake was “different”, and they had to adjust their tactics for each flake. They ended up doing the exact opposite of what they ought to have done. Comedy ensued.

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Compulsory automobile insurance