I was involved in a multi-vehicle accident. How does the Fault Determination Rule apply?

State Farm Mutual Automobile Insurance Company v. Old Republic Insurance Company of Canada, 2014 ONSC 3887 -On November 8, 2007, there was a multi-vehicle accident at the intersection of Mavis Road and Eglinton Avenue in Mississauga. -Bradley Flewelling was the driver of a truck owned by Pepsi Bottling Company and insured by Old Republic Insurance. … Read More

How do death and funeral benefits work under the SABS?

-Under section 26(1) of the the said Regulation,  an insurance company shall pay a death benefit. -Under s. 27(1) an insurance company shall pay a funeral benefit for the insured who dies as a result of the accident. However, the time limits and monetary restrictions apply. -S. 43(1) states that if a claimant is entitled to a death benefit and a funeral benefit, the insurance … Read More

The driver died in a car accident. How does CPP death benefit work?

<The Canada Pension Plan (CPP) death benefit> -It is a one-time payment, payable to the estate or other eligible individuals, on behalf of a deceased CPP contributor. -The amount of the death benefit is a single payment of $2,500 for which you need to apply as soon as possible after the contributor’s death. -In order to qualify … Read More

How is the self-employment income calculated under the SABS?

The claimant was earning the annual income of $150,000.00 during the last fiscal year before the subject motor vehicle accident.   $150,000.00 (gross employment income –> a self-employed person may designate his gross employment income from the last fiscal year of the business that ended before the accident as his “gross annual employment income.”) –   … Read More

Why do you need to read and understand the policy of your disability benefits insurance companies?

While your disability benefits insurance companies are to pay your short-term and long-term disability benefits until you cease to be disabled, your policy contains the definition of disability and duration of your benefits.  Here are examples of how the policy of disability benefits insurer is laid out: CIGNA Life Insurance Company of Canada (from Moore … Read More

Involved in unfortunate motor vehicle accidents, slip and falls or workplace accidents?

When you are involved in unfortunate motor vehicle accidents, slip and falls or workplace accidents, one of our priorities is to arrange for your physical, psychological treatments to help you recover from your sustained injuries from those accidents. We arrange multidisciplinary treatments with medical professionals who can cater to your needs – such as, physiotherapists, … Read More

Why do you need legal representatives as a result of having sustained injuries from motor vehicle accidents, slip and falls or workplace?

Many individuals come across an overwhelming imbalance of power from their automobile or work insurance companies because of disability that they had from their unfortunate accidents.  They even discuss with us they were taken advantage of by their own insurance companies in the course of their own settlement negotiations. Regulation 664 of the Insurance Act is clear … Read More