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Are Members of My Family Automatically Covered by My Ontario Insurance Policy?

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...

The Family Member’s Rights in a Personal Injury Case

A personal injury case often affects more than just the victim. The victim’s family may also suffer as a result of their loved one’s injuries. For this reason, Ontario’s Family Law Act allows an accident victim’s spouse, children, or other relatives to seek damages against a negligent party for...

Bonter v. Estate of Laird: Possession, Consent, and a Motor Vehicle Accident

Under Ontario law, the owner of a car or other motor vehicle can be held legally responsible for an accident even if he or she was not the driver. Basically, if another driver uses your car with your permission and causes a motor vehicle accident, the victims can file...

Ontario Bus Accident Victim Recovers Nothing Due to Statutory Deductible

When you are injured in a motor vehicle accident in Ontario, you cannot count on receiving the full amount of your damages in a personal injury lawsuit. The reason for this is that the Ontario government imposes a “statutory deductible” on non-pecuniary (pain and suffering) damages. This means that...

Does Uninsured Motorist Coverage Apply to Drive-by Egg Attack?

Under normal circumstances, when you are injured in an Ontario motor vehicle accident caused by another driver’s negligence, you have the right to file a personal injury lawsuit against that driver and collect damages. Of course, in practice the negligent driver’s insurance is likely to pay the damages. What...

Toronto Faces Personal Injury Trial Over Bicycle Accident

According to the Canadian Pediatric Society (CPS), using a helmet can significantly reduce your risk of serious injury in a bicycle accident. In fact, CPS said that research showed helmets “reduce the risk of head and brain injuries by about 69%, severe brain injuries by 74% and facial injuries...

Bicycle Accidents: What Damages Can I Seek?

Bicycle accidents in Ontario are frequently the result of a negligent motorist who fails to keep a proper lookout for bicycles or pedestrians. From a legal standpoint, the bicyclist must follow the same rules as a car accident victim when seeking compensation for his or her injuries. In other...

How do I Prove an Unknown “John Doe” Caused My Auto Accident?

There is a lot to take in following an auto accident. Oftentimes, the accident itself is a split-second occurrence, leaving other drivers and passengers unable to react in time. In the moments immediately following the collision, the victims may not stop to gather potentially useful information, including the identity of...

Why you should name all of the insured drivers in your household

All motorists in Ontario are required to have auto insurance. This is not just about following the law. If you are involved in an auto accident, your insurance carrier will provide you with certain statutory accident benefits. In addition, if another driver’s negligence caused the accident, their insurance carrier...

I lost my job before my accident. Will I still get statutory accident benefits?

When you are injured in an Ontario car accident, your insurance company is normally required to compensate you under the province’s Statutory Accident Benefits Schedule (SABS). This includes income replacement benefits in the event you are unable to return to work right away as a result of your accident....