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During this summer season, you or your friend or family member may own a boat. Taking safety measures while operating a boat are normally underestimated and often those who own or operate boats may fail to warn other passengers on for the ride of the safety precautions.  Boating accidents often are underestimated but when they occur it’s important to know what to do when you are injured. In addition to seeking medical attention, depending on the severity of your injuries, future medical treatment or your inability to work or lost wages, you may be entitled to compensation. In contrast to…

Many drivers in Ontario may fail to know that cyclists can be charged for the same offences as other drivers on the road under the Ontario Highway Traffic Act. This lack of knowledge, causes certain drivers to feel that cyclists own the road and therefore, if an accident does occur, the driver that is driving a motor vehicle will automatically be charged for careless driving. Contrary to this erroneous belief, bicycles are classified as vehicles under the Ontario Highway Traffic Act and cyclists are subject to the same charges as other drivers on the road for any Highway Traffic Act…

According to the 2017 Allstate Canada Safe Driving Study, majority of the accidents that occur in Canada occur on Fridays or Saturdays, with the majority of the accidents involving rear-end collisions. Toronto ranked 84th among the cities with the number of the accidents reported with an average of 7.33 % per 100 cars, with Brampton, North York and Ajax ranking worst with averages of 7.61 per 100 cars, 7.67 per 100 cars and 7.77 per 100 cars respectively. Although these statistics are from one insurance company, they reveal that cities like Kingston, ranked 22 with an average of 4.81 accidents…

According to the 2017 Allstate Canada Safe Driving Study, at a national level the majority of the accidents occur on Fridays or Saturdays.  In Ontario, the date with most collision claims between 2012-2017 was February 12 and the date with fewest collision claims was December 25 and maybe because generally people are celebrating Christmas within the confines of their homes. The frequency of the collisions claims on Fridays was 16.8% at a national level. Although these statistics are from one insurance company, they reveal interesting information such as indicating that the majority of the accidents occur because of rear-ends (25%),…

On July 6, 2017, policy of insurance provided by Intact Insurance for Uber came into effect.  Under the Intact Policy, from the moment the Uber app is turned on to the moment to the moment the Uber app is turned off, all drivers, and vehicle owners in Ontario using Uber are covered by Intact. Under the Intact Policy of Insurance, third-party liability coverage is limited to $1,000,000.00 million while the Uber app is turned on, until the driver accepts a passenger’s request for a ride. From the time the driver accepts a passenger’s request until the passenger departs, that coverage…

Uber drivers are urged to contact their personal automobile insurance company to notify them that they will be using their vehicles for the purposes of driving Uber, otherwise, they may be found to have breached their policy. It is difficult to know how an insurer may respond when provided with that information, but they may cancel your insurance, increase your premiums or elect not to renew your policy of insurance. On July 6, 2017, policy of insurance provided by Intact Insurance for Uber came into effect.  Under the Intact Policy, from the moment the Uber app is turned on to…

If you have been injured in an accident while being a passenger in an Uber and do not have personal automobile insurance or are not covered under any other automobile insurance coverage, you may be eligible to make a claim for accident benefits through Intact insurance. On July 6, 2017, policy of insurance provided by Intact Insurance for Uber came into effect.  Under the Intact Policy, from the moment the Uber app is turned on to the moment passengers exits the vehicle, all passengers, drivers, and vehicle owners in Ontario using Uber are covered by Intact. If the Uber driver…

If you have sustained injuries as result of a slip and fall or trip and fall in Ontario, you may be able to receive compensation for your injuries. The damages that typically awarded are as follows: 1.       Compensation for your pain and suffering 2.       Recovery of Medical and Rehabilitation Expenses 3.       Housekeeping Expenses 4.       Future Medical Treatment and Care 5.       Out of Pocket Expenses 6.       Recovery of Lost of Wages 7.       Future Losses of Income or Loss of Competitive…

In Ontario, businesses, stores and private property owners must ensure the reasonable safety of individuals who enter their premises. Likewise, Municipalities are also required to ensure that public areas and areas considered municipal property or public walkways are kept reasonably safe and well-maintained. Common slip, trip, or fall accidents occur because of uneven sidewalks, unplowed sidewalks, wet surfaces, icy pavement, slippery stairs, deteriorated surfaces, poor lighting, and other dangerous conditions or hidden hazards. Injured as a result of a fall on Municipal Property? 5 Things to Do Now: 1. Seek immediate medical attention 2. Act Fast, contact a personal injury…

1. CALL THE POLICE Make sure to call the police even if the accident is minor. Injuries may often not appear immediately after an accident, but your health is of great concern, and police personnel will provide great assistance in contacting EMS personnel and other emergency services to attend to your care. By law you are required to report an accident if the damage to one vehicle or both vehicles involved in the accident exceed $2,000.00. It’s imperative that police attend the scene of an accident and complete a police report. Always try to get a copy of the police…