<Approval of Psychotherapy Sessions> Since those MVA clients were taken out of MIG (with their medical limits increased up to $65K), all psych treatments have been approved by the insurer. And, this ongoing approval gives those clients full leverage of fully taking advantage of their psychotherapies since their MVA.

<Neurological Assessment> The MVA client was a cyclist. How do you justify the neurological assessment to Desjardin Insurance? –>S. 25 Neuro assessment reports and family physician’s records exhibited symptoms of neurocognitive and neurological deficits, including tingling sensations along the spine.

Calculation of Income Replacement Benefits

Calculation of Income Replacement Benefits for claimant involved in a motor vehicle accident in August 2020 What is required? 1. Client’s filed income taxes for 2019 and 2020 2. Calculation of IRBs under s. 7(2) of the SABS 3. Post-accident bank deposit Under s. 7(2) of the SABS, Income Replacement Benefits were calculated as follows: … Read More

Conflicts of Interest:

Defense counsel that represented the Intact Insurance for the applicant’s claim for accident benefits is not supposed to represent the same insurer to defend the Tort claim against the defendant. The remedy to resolve the above potential conflicts of interest: Plaintiff can file a motion to the ONSJ removing the same defense counsel from representing … Read More

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

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