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Want to learn about the importance of completing an OCF-3 Disability Certificate after your Toronto car accident? Read on.

The OCF-3 Disability Certificate is a form created by the Financial Services Commission of Ontario. Why they created this, along with other silly forms is still a mystery to me, along with personal injury lawyers across Ontario. It all has to do with Ontario’s complicated no-fault accident benefit regime, but that’s the subject of another post.

In any event, following your car accident, your insurance company will send you a booklet of forms. And when I mean booklet of forms, I really mean it. If you don’t like reading, or you don’t like completing standard forms which require a lawyer to understand, then you’ll certainly have issues with these forms. One of the forms is called the OCF-3 Disability Certificate. This is probably the most important and telling form for you to have completed.
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This month’s November 2012 issue of Toronto LIfe Magazine tried to make the case for making wearing bike helmets the law. The compairison was made that driving your car without a seatbelt is ludicrous and has been made law. Then why not mandate riding your bike while wearing a helmet? Both save lives. Both make complete sense. I couldn’t agree more with Toronto Life. The article isn’t yet available online, but if you pick up the November 2012 edition of Toronto Life, you can read all about it. Pretty interesting article for cyclists and for personal injury lawyers alike.

In case you didn’t know, helmets are NOT mandatory for all cyclists. They’re only mandatory for cyclists who are under the age of 18. So, if you’re older than 18, you get to make your own choice. To wear a bike helmet or to not wear a bike helmet. The choice is yours. But to me, there shouldn’t be a choice whatsoever. Bike helmets should be mandatory and here’s why…
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People always ask me: Brian, when am I gonna see you on the big screen? When are we going to see a Goldfinger Injury Lawyers video? Well fans, the time has come for our law firm’s very first stab at the silver screen. Now, this ain’t no Hollywood production. It wasn’t not filmed at our Toronto office either. It was filmed at our London, ON office on a rainy day. I hope you enjoy! Tech Tip: Scroll onto the screen and click the “Play” button to start.

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It’s astonishing the number of car accident victims in personal injury cases who come to my law firm unprepared for some of the questions I have to ask them. Basic things like:

1. When did your car accident happen?
2. Do you recall the time of day when the car accident took place?
3. Who was in the car with you at the time of the car accident?
4. Do you recall if the police attended at the car accident scene?
5. Do you recall if an ambulance came to the site of the car accident?

For some people, these questions are difficult to answer, if not impossible due to a brain injury, or the catastrophic nature of their injuries. Some people are unable to communicate given their injuries, or have post traumatic amnesia following their car accident. We see it all the time.
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Ontario’s Court of Appeal released a landmark car accident decision yesterday in the case of Pastore v. Aviva.

The decision deals with the definition of “catastrophic” under Ontario’s Insurance Act.

60 year old Toronto resident Anna Pastore was attending a wedding when she was hit by a car back in 2002.(Editorial Note: this is a 2002 accident which is only getting resolved yesterday 2012!!!! Is that nuts or is it just me. Talk about delay in our Courts, but that’s no secret to anyone.)

At the time of the car accident she was the primary caregiver for her husband who was very sick. As a result of the accident, she broke her ankle and later required knee replacement surgery. Her personal injury lawyer applied to Aviva for catastrophic benefits under the insurance Act.
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Fibromyalgia doesn’t exist! It’s a figment of your imagination! Get over it! Get outta bed and get a job! Excercise. Deal with your so called “pain“. Stop being depressed! Stop being sad right now! Be happy and pain free immediately you faker!

This is what insurance companies would love to tell all claimants who have used Fibromyalgia as the primary reason for their inability to return to work, or pursue any form of gainful employment.

Some doctors, particularly those old school doctors would tend to agree.

Other doctors, and this Toronto Personal Injury Lawyer would adamantly disagree. Fibromyalgia is real. Fibromyalgia is debilitating. Fibromyalgia is not a figment of your imagination. Our personal injury law firm has helped countless Fibromyalgia sufferers with their denied short and long term disability claims.
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A traumatic Toronto Car Accident not only has a profound impact on the injured party. It also has a big impact on the family of the injured party and their loved ones. I’ve seen this time and time again as a personal injury lawyer.

The way that car accident law works in Toronto, and for the rest of Ontario, is that family members can be compensated in relation to the accident. But, this compensation does not cover pain and suffering, trauma or mental distress. The law for family members is rather limited. It only covers damages for loss of guidance, care and companionship. Again, don’t confuse this with pain and suffering or emotional distress. This is a common mistake made by accident victims and their family members. I wholeheartedly agree that family members should be compensated for the significant changes which follow after a catastrophic motor vehicle accident.
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Let me set the record straight. I’m no conspiracy theorist. But some things make me wonder. The recent release of the confidential Hillsborough Disaster papers is one of those things that makes me mad, and re-inforces my passion as a personal injury lawyer.

Let me give you some background.

In the 60’s hippies and protesters used to have a slogan “Don’t trust anyone over 30“. The slogan highlighted the generational gap, and the ideological differences between parents, grandparents and their children. For me, this sort of slogan drove home the point not top trust our leaders, or those who control the reigns of power. At that time, the younger hippies and protesters weren’t in any sort of positon of power or great wealth. Rather, they felt that their elders (those over 30) held those positons of power, authority and wealth. They felt the socio-political system in which they were operating was tilted to serve the interests of the older generation and not the new generation. This reached its climax with the Vietnam War.
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I’m sad to report that Goldfinger Injury Lawyers has a file cabinet full of drunk driver cases. That means that despite all of the public service announcements, press releases, and sad stories you see on the 6 o’clock news, people still aren’t getting the message. Drinking and driving kills. Drunk driving accidents have resulted in some of the most serious and catastrophic accidents our law firm has seen. The stories of the accident victims and their families from these car accidents is horrific, and something nobody should have to live through or experience.

One of the most horrific drunk driving accidents Toronto has even seen took place this past month.
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One of Goldfinger Injury Lawyers’s clients was recently profiled in the Peterborough News x3 for a bar assault claim. You can read all about our client’s story in the Peterborough Examiner’s article; the Peterborough This Week’s article; you can watch the footage on CHEX-TV in Peterborough below:

 
https://www.youtube.com/watch?v=EsVTMgTsAOU
 
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