In Ontario and most other provinces across Canada – all motorists are required to have auto insurance and this is the law. You cannot drive a motorized vehicle on public roads without insurance and there are good reasons for this. This is not just about following the law. If you are involved in an auto … Continue reading “Why you should name all of the insured drivers in your household”
An insurance policy issued in Ontario covers not only the insured person, but also anyone residing in their “household.” For example, let us say you are married and own a car. Your insurance policy will likely cover your spouse in the event he or she is involved in a motor vehicle accident while using your … Continue reading “Are Members of My Family Automatically Covered by My Ontario Insurance Policy?”
Consumers in Ontario are faced with a plethora of choices when considering auto insurance coverage that extends beyond what is legally required. Ontario has rather steep fines for those without valid auto insurance which is obviously the first concern for auto owners which are outlined in the Insurance Act of Ontario. For example, financial penalties … Continue reading “Understanding Optional Auto Insurance in Ontario”
The Canadian family is changing. According to Statistics Canada, in 1991, 42% of Canadians were married, and 5.5% were cohabiting with another person as a couple. By 2017, the percentage of Canadians who were married had fallen to less than 39%, and the percentage who were cohabiting had jumped to almost 10%. Social shifts like … Continue reading “When is a Cohabitant a Spouse for Ontario Auto Insurance Purposes?”
Every Ontario driver is required to carry auto insurance. Unfortunately, many drivers ignore this mandate. Or if they do have insurance, it is insufficient to compensate a motor vehicle accident victim for the full amount of his or her injuries. So what does the victim do in such circumstances? Generally, the victim would turn to … Continue reading “How Does Uninsured Motorist Coverage Work in Ontario?”
If you’re injured in a car accident in Ontario for which another person was at fault, you may already realize that you are entitled to Statutory Accident Benefits under your own auto insurance policy and third-party liability coverage under the at-fault driver’s policy. But what happens if you have a personal injury claim against another … Continue reading “The Role of Homeowner’s Insurance in a Personal Injury Claim”
In 2011, Statistics Canada published a report on injuries using information from the 2009 to 2010 Canadian Community Health Survey. It found that falls were the leading cause of injury in Canada. Among adolescents, these typically occurred while playing sports. But among seniors, falls usually occurred while walking or doing household chores. When those injuries … Continue reading “Ontario Apartment-Injury Claims: What You Need to Know”
Every year in Ontario, tens of thousands of Ontarians suffer personal injuries as the result of motor-vehicle collisions, medical negligence, dangerous premises, defective products, and other causes. Unfortunately, not every injured Ontarian understands his or her legal rights in the context of a personal injury for which another person is at fault. Two of the … Continue reading “Ontario Personal Injury Claims: What are My Rights?”
