The Hidden Risk of Underinsured Drivers in Ontario

Imagine this: you’re driving in Ontario, following all the rules, paying for your insurance, and being careful on the road. Then another driver hits you. What happens if their insurance doesn’tactually cover the full cost of the damage? This isn’t just some unlikely worst-case scenario. A lot of drivers in Ontario only carry the legal minimum liability coverage, and that minimum is far too low when you think about what aserious accident can actually cost. Why the Minimum Isn’t Enough By law, Ontario drivers only need $200,000 in liability coverage. On paper, that might sound like plenty. In reality, it’s…

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Injured in a Car or Truck Accident?

Tips on what to do after a MVA In the unfortunate event you are involved in a car or truck accident, there are a number of things you can do to protect your rights and avoid making common mistakes. The first priority should be to assess your condition and that of other drivers or passengers involved in the accident. If anyone is injured, call an ambulance and move your vehicle to the shoulder to ensure safety of other motorists. If there is property damage or anyone injured you ought to call police to report the accident; a police officer will…

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Work-Related Injuries or Hurt in a Job?

Rights, Obligations and Tips for Worker’s Comp Situations It is an unfortunate fact about life that an accident can happen at any time and at any place – including work. Rights and Obligations After a Workplace Injury A workplace injury lawyer can advise you of your rights and obligations as an injured worker and the rights and obligations of your employer, and can protect and safeguard your interests. A comprehensive overview of these rights and obligations is beyond the scope of this article. However, here is a brief summary: The employer’s duties include: to provide transportation to a healthcare facility…

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how insurance companies think!

What makes the best personal injury lawyer in Toronto? Knowing how insurance companies think!

Why a lawyer’s understanding of insurance companies can make a difference Through its understanding of how Toronto insurance companies operate, Azimi Law advocates for the best possible resolution of its clients’ personal injury claims. If you are hurt in an accident, it is likely that you will have to deal with an insurance company. Once you file a claim with an insurance company, an insurance adjuster (i.e., an employee of the insurance company) will be assigned to your file. It is important to realize that the insurance adjuster works for the insurance company – not you. Their job is to…

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Injured in a Car or Truck Accident?

Injured in a Car or Truck Accident?

Tips on what to do after an MVA In the unfortunate event you are involved in a car or truck accident, there are a number of things you can do to protect your rights and avoid making common mistakes. The first priority should be to assess your condition and that of other drivers or passengers involved in the accident. If anyone is injured, call an ambulance and move your vehicle to the shoulder to ensure the safety of other motorists. If there is property damage or anyone is injured, you ought to call the police to report the accident; a…

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consulting a top-rated car accident lawyer

How can consulting a top-rated car accident lawyer affect your accident claim’s compensation?

Learn about the influence on the compensation of your choice of counsel Top-rated car accident lawyers share a number of things in common. They have a track record of successful representation of car accident claims; they answer your questions and are responsive to your communications; and they strike an appropriate balance between adequate staff and personal attention. Through these and other ways, a consultation with them can make a difference in the amount of compensation for your injuries. A motor vehicle accident can be an overwhelming experience, and personal injury law is a complex set of rules and procedures. A…

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Semih v. Aviva Ins. Co., 2022 CanLII 27252 (ON LAT)

Another Example of Chronic Pain and Removal from MIG In this case, the Applicant was injured in a motor vehicle accident (MVA) on January 25, 2018. He sought med-rehab benefits (among other benefits) from the Respondent insurer, Aviva. The Respondent denied his claim for med-rehab benefits beyond the Minor Injury Guidelines (“MIG”) on the basis that his injuries were predominantly minor in nature. The Applicant disagreed with the Respondent’s denial and brought the dispute before the Licence Appeal Tribunal (“LAT”). In the final result, the LAT member who heard his application decided that the Applicant was entitled to med-rehab benefits…

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Agents and Civil Liability

Learn about legal proceedings between principals, agents and third parties Everyone has heard of a type of professional called an ‘agent,’ whether it be a real-estate agent, insurance agent, broker, auctioneer, mercantile agent, del credere agent or otherwise. What they share in common – the meaning of the word agent – is that they are parties to a legal relationship with an individual called a principal, such that they have the authority to change the principal’s legal position – for example, by the making of contracts between a third party and the principal or by disposing of the principal’s property.…

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Consequences for Unreasonable Delay

Explore What May Happen if an Insurance Company Unreasonably Delays Payment This issue was the central focus of the recent decision of the License and Appeal Tribunal (“Tribunal”) called Blas v. Aviva Insurance Canada.[1] Ms. B was injured in a MVA on August 24, 2017. She sought statutory accident benefits from Aviva. Aviva denied most of her requested benefits on the grounds that they were not reasonable and necessary. Ms. B applied to the Tribunal for dispute resolution. An applicant has the onus of proving that the proposed treatment, its goals and cost, are all reasonable and necessary.[2] The particular…

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Procedural Fairness in LAT Proceedings

Find out about some examples where an insurance company failed to meet the minimal requirements of fairness Lockyear v. Wawanesa Mutual Insurance Company[1] is a recent case where an appeal to the Superior Court of Justice, from a decision of the License Appeal Tribunal (LAT) rejecting the insured’s application to be designated as catastrophically impaired, was granted on the basis that the LAT hearing and reconsideration breached the duty of procedural fairness. Procedural fairness is recognized by the courts as a central principle of Canadian administrative law. Procedural fairness refers to the right to be heard, for someone to participate…

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