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personal injury Tag

Oct 18 2019

Proposed Changes to Auto Insurance Regime

accident benefits, auto insurance, automobile insurance, automobile insurance ontario, blog, car accident claim, car damage accident, Car insurance, Uncategorized
by Haghani-Law

Ontario Government is again planning to make changes to the auto insurance system. In its 2019 Budget the province announced a plan called “Putting Drivers First” which outlines the proposed changes: (a) Care, not Cash: eliminating the option for cash settlement of accident benefits claims and (b) restoring catastrophic limits to $2 million.Care not CashAs you may be aware, most auto insurers would be amenable to, and often do, actively negotiate “lump out” settlement of accident benefit entitlements. Insurers are not required to offer cash settlements, but they are permitted to so if the insured...

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Sep 27 2019

Contingency Fee Retainer Agreements

blog, personal injury action
by Haghani-Law

Retainer agreements are generally a type of agreement between clients and lawyers setting out the terms of a contract for services by lawyer to client. Most of us are familiar with hourly retainers whereby the client will deposit a certain amount of funds in lawyer’s trust account, who will then withdraw from client’s trust funds periodically, based on the length of time lawyer has worked multiplied by his or her hourly rate.Contingency fee retainer agreements are different in that the fees (and often disbursements) are not paid until the lawyer...

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Aug 20 2018

Actions for Personal Injury or Death Arising from Car Accidents – Part I

auto insurance, automobile insurance, automobile insurance ontario, car accident claim, car damage accident, personal injury action
by Haghani-Law

[no_button size="" style="" text="Before Commencing an Action" icon_pack="font_awesome" fa_icon="" icon_position="right" icon_color="2A25FF" icon_background_color="" icon_background_hover_color="" link="" target="_self" color="" hover_color="" background_color="" hover_background_color="" border_color="" hover_border_color="" border_width="" font_size="" font_style="normal" font_weight="" margin="" padding="" border_radius=""]Certain requirements must be met before someone can issue claim for personal injury or death, against someone else, arising from a car accident. Among these requirements are applying for accident benefits and providing notice of intention to commence action within 120 days of the accident (“the notice”). Failure to comply with those requirements is not fatal but will be considered by the court...

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Jul 29 2018

Understanding Automobile Insurance in Ontario – Part V

auto insurance, auto insurance contract, automobile insurance, automobile insurance ontario, Car insurance
by Haghani-Law

[no_button size="" style="" text="4. Uninsured and Unidentified Coverage" icon_pack="font_awesome" fa_icon="" icon_position="right" icon_color="2A25FF" icon_background_color="" icon_background_hover_color="" link="" target="_self" color="" hover_color="" background_color="" hover_background_color="" border_color="" hover_border_color="" border_width="" font_size="" font_style="normal" font_weight="" margin="" padding="" border_radius=""]Your standard insurance policy is also responsible for payment of money for any damages or losses you may suffer as a result of an accident with a vehicle whose owner or driver is uninsured. Similarly, you are covered for personal injuries suffered in a hit-and-run , where the owner or driver of the automobile that was at fault for the accident cannot...

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Jun 03 2018

Understanding Automobile Insurance in Ontario – Part III

accident benefits, automobile insurance, blog, Car insurance, Uncategorized
by Haghani-Law

[no_button size="" style="" text="2. Accident Benefits" icon_pack="font_awesome" fa_icon="" icon_position="right" icon_color="2A25FF" icon_background_color="" icon_background_hover_color="" link="" target="_self" color="" hover_color="" background_color="" hover_background_color="" border_color="" hover_border_color="" border_width="" font_size="" font_style="normal" font_weight="" margin="" padding="" border_radius=""]Since June 1990 every Ontarian who has a valid automobile insurance contract in Ontario is entitled to accident benefits, as provided for in Statutory Accident Benefits Schedule, which is a regulation to the Insurance Act. All contracts of automobile insurance are deemed to provide for accident benefits. [no_highlight background_color="" color="2A25FF"] NOTE: despite the above entitlement to accident benefits, occupants of public transit vehicles who are...

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Feb 24 2018

Understanding Automobile Insurance in Ontario – Part I

auto insurance, auto insurance contract, automobile insurance, automobile insurance ontario, blog, car damage accident, Car insurance
by Haghani-Law

Mandatory Automobile Insurance Policy In Ontario, motorists are required to have auto insurance. Section 2 of the Compulsory Automobile Insurance Act (“the CAIA”) prohibits an owner or lessee (including renter) of a motor vehicle, to operate the vehicle or allow the vehicle to be operated by someone, unless the vehicle is insured. The fines are so high and potential consequences are intentionally set to be so painful that driving without valid insurance coverage often cannot be explained as a rational decision! Those caught contravening section 2 of the CAIA can face,...

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