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Denied Accident Benefits By Your Insurance Company. What Can You Do?

2023-09-29T18:36:24-04:00

In Ontario, all drivers are required by law to have automobile insurance. If you drive a car without proper and valid insurance, you risk a very serious fine. If you drive a car without proper and valid insurance, you may not be able to recover some benefits if you are involved in an accident, even if the accident was not your fault. Statutory Accident Benefits (or SABs) are the benefits that motorists (or pedestrians, or cyclists) are entitled to if they are injured in a motor vehicle accident. The benefits available to injured accident victims, irrespective of fault, include Income Replacement [...]

Denied Accident Benefits By Your Insurance Company. What Can You Do?2023-09-29T18:36:24-04:00

Electric Scooters and their Terms of Use: Renter Beware

2023-09-29T18:46:08-04:00

If you have spent any time in downtown Ottawa lately, you will have noticed a new type of public transportation that has appeared on the streets.  Three operators – Bird Canada, Lime, and Roll – are bringing up to 600 shared e-scooters to the City’s pathways, bike lanes and streets. The scooters are scattered across the downtown core and can be located through GPS mapping. And while their appearance on our streets may be a blessing to some (young people, for instance) or a curse to others (taxi and Uber drivers come to mind), their use does raise legal issues that [...]

Electric Scooters and their Terms of Use: Renter Beware2023-09-29T18:46:08-04:00

Internal Appeals and Disability Claims. When does the Clock start Ticking?

2023-09-29T18:48:28-04:00

Ontario’s basic two-year limitation period for issuing civil claims has been suspended in response to the global pandemic and the closing of the Courts for all but the most urgent matters. An Order in Council has been made under the Emergency Management and Civil Protection Act, effective immediately. Litigation deadlines set out in the Rules of Civil Procedure have also been suspended, including the six-month window in which to serve an issued claim.The suspension of limitation periods is set to expire on June 14, 2020, unless it is renewed.  We anticipate that limitation periods will remain suspended for the duration of [...]

Internal Appeals and Disability Claims. When does the Clock start Ticking?2023-09-29T18:48:28-04:00

Stop the Clock

2023-09-29T18:51:17-04:00

Ontario’s basic two-year limitation period for issuing civil claims has been suspended in response to the global pandemic and the closing of the Courts for all but the most urgent matters. An Order in Council has been made under the Emergency Management and Civil Protection Act, effective immediately. Litigation deadlines set out in the Rules of Civil Procedure have also been suspended, including the six-month window in which to serve an issued claim.The suspension of limitation periods is set to expire on June 14, 2020, unless it is renewed.  We anticipate that limitation periods will remain suspended for the duration of [...]

Stop the Clock2023-09-29T18:51:17-04:00

The Cooling Off Period and Settlements at Arbitration

2023-09-29T18:52:49-04:00

The Consumer Protection Act, 2002, consumers have the right to cancel a contract if the contract includes a “cooling-off” period. The Insurance Act provides similar protection for claimants under an automobile insurance policy who have reached an agreement to settle their accident benefits claims with their insurer. Section 9.1(4) of Ontario Regulation 664: Automobile Insurance under the Insurance Act, R.S.O. 1990, c. I.8 offers the following “cooling-off” period: The insured person may rescind the settlement within 2 business days after the later of the day the insured person signs the disclosure notice and the day the insured person signs the release. [...]

The Cooling Off Period and Settlements at Arbitration2023-09-29T18:52:49-04:00

Car Insurance Rebates on Premiums

2023-09-29T18:56:10-04:00

The Ontario Finance Minister has called on insurance companies to provide rebates and relief measures for consumers.  The Insurance Bureau of Canada recently announced that its insurance company members will be offering rebates totaling $600 million.  Aviva and La Capitale have announced discount and rebate programs to account for drivers that have either stopped driving entirely or have significantly reduced their driving. If you have seen a reduction in the amount of driving you have been doing during the Covid-19 pandemic, contact your auto insurer, as you may be able to access rebates on premiums. ________________________________________________________________ Author Hamish Mills-McEwan Juris Doctor [...]

Car Insurance Rebates on Premiums2023-09-29T18:56:10-04:00

Virtual Care is here

2023-09-29T18:54:35-04:00

The Ontario Ministry of Health and Long-Term Care has approved and endorsed the use of video or phone medical appointments as a measure to facilitate physical distancing during the COVID-19 pandemic.  The Ontario Hospital Association, the Ontario Medical Association and other healthcare associations are working together to develop tools to allow the connection of patients with their healthcare providers.  The Ministry of Health has endorsed virtual care as effective for screening patients, gathering patient history including travel and exposure details, assessing symptom severity and treatment options, monitoring progress and checking in on patients in isolation, treat clinically appropriate conditions that may [...]

Virtual Care is here2023-09-29T18:54:35-04:00

Keep It Simple: Rule 76 Gets An Update

2023-09-29T18:57:33-04:00

As of January 1, 2020 there have been significant changes to the Simplified Procedure provisions under Rule 76 of the Rules of Civil Procedure. The changes expand the number and monetary jurisdiction of the cases that can proceed under the Simplified Rules, and address certain inefficiencies in the previous version of the Rules. Under the new Rules, the monetary jurisdiction is increased to $200,000, trials are capped at five days (no jury notices allowed), and costs and disbursements are capped at $50,000 and $25,000 respectively.  The expanded monetary jurisdiction will be welcomed by the plaintiffs’ bar, as the costs and risks [...]

Keep It Simple: Rule 76 Gets An Update2023-09-29T18:57:33-04:00

Cars Without Drivers: A Roadmap for Liability.

2024-01-08T16:43:11-05:00

Autonomous vehicles will be more and more a fact of life in the coming decades.  And while their arrival is a certainty, how they will function is not entirely settled. In particular, the kind of technology used by autonomous vehicles to see the road in front of them and to make decisions critical to our safety is right now the subject of a battle between Elon Musk (of Tesla) and the rest of the competition.  Musk, who is famous for swimming upstream, has repeatedly dismissed the LiDAR (Light Detection and Ranging) approach to autonomous vehicle operation as a “fool’s errand”, and [...]

Cars Without Drivers: A Roadmap for Liability.2024-01-08T16:43:11-05:00

Medical and Rehabilitation Insurance Limits need to be Restored

2023-09-29T19:00:26-04:00

Ontario’s Budget for 2019 (“Protecting What Matters Most) included important changes for automobile accident victims. In particular, the government has announced that it will be restoring the available amounts for seriously (catastrophically) injured accident victims to $2,000,000. Those limits had been reduced by half in 2016, a move that stunned the legal and the rehabilitation communities. What happened in 2016 was that the Ontario government overhauled the no-fault accident benefits system, evidently aiming to make the automobile insurance a more profitable product for insurers to sell. The result was that the most seriously injured accident victims are often left without nearly [...]

Medical and Rehabilitation Insurance Limits need to be Restored2023-09-29T19:00:26-04:00

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