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Making the decision to move a family member or an elderly loved one to a long-term care facility, assisted living or nursing home is a difficult decision. Selecting the right facility is even more difficult. The ultimate goal while making the foregoing decisions is to ensure that the family member is safe, secure and well treated at any facility that he or she resides. Fortunately, with the growing number of long-term care facilities being built, and the aging Canadian population, there has been growing number of legislations and regulations put into place to ensure the required standard of safety, security…

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…