According to Investopedia, “Underinsured Motorist” or “UIM” is a provision in an auto insurance policy that extends coverage to include bodily and property damage that was caused by another motorist and who didn’t have sufficient insurance to cover damages. Insurance policies that contain UIM coverage will have significant differences from one state to the next. (more…)
The Role That Insurance Plays In A Personal Injury Claim Settlement
Whenever someone files a personal injury claim, it’s a safe bet that insurance coverage will play a significant role in the outcome or settlement of the case. For instance, when two or more drivers are involved in a motor vehicle accident, they usually exchange their insurer’s names with one another at the scene. Indeed, the outcome of other types of personal injury claims and lawsuits typically depend on the absence or presence of insurance coverage as well. (more…)
Subrogation Actions In Insurance Law
When you’ve suffered injuries in an accident, you would normally get medical attention, have the doctor send your bill to your health insurance provider, and walk away feeling as though everything has been taken care of. However, your insurance company may still contact you to discuss the nature and extent of the accident and your injuries. They are merely complying with what is written in your policy in order to determine if someone other than you is completely or partially responsible for the accident and your injuries. (more…)
Protecting Your Interests In An Independent Medical Examination
If you’ve filed a personal injury claim or lawsuit, the at-fault party’s or your insurer has the right to ask you to undergo what is referred to as an “independent medical exam”or IME by a doctor of their choice. This is often a requirement of the legal process. But the key words here are “of their choice”, not yours. What you may be unaware of is that the doctor they have chosen is not doing this for treatment purposes. They are doing it to gather information for the insurer regarding the nature and extent of your injuries. (more…)
Do I Have Grounds To File A Personal Injury Claim Or Lawsuit?
If you’ve suffered injuries in an accident caused by another person’s carelessness or negligence, you’ll need to discuss your circumstances with a personal injury lawyer in order to determine if you have a valid claim or reason to file a lawsuit. The following 3 factors could help in the decision-making process when discussing your options. (more…)
What Is Contributory Negligence And How Can It Affect Your Claim?
In Ontario, negligence is apportioned by means of percentage of fault. So, say that you are injured in a motor vehicle accident but it comes to light that you weren’t wearing a seatbelt. In that case, you may be apportioned with a percentage of fault when it comes to your injuries. Although the seatbelt was not a cause in the accident, the lack of wearing one contributed to your injuries. (more…)
What Are The Parameters For Legal Cannabis Consumption Here In Ontario?
Because legislation on recreational cannabis is so new here in Ontario, people may not understand what is legal and what is not when it comes to cannabis consumption. We will try to clear this up. (more…)
The Importance of Evidence In A Slip And Fall Claim
When you’ve been injured in a slip and fall accident, you may choose to file a personal injury claim against the premises owner or manager of the site where the fall took place. But you must provide evidence that supports that claim. And this is where many slip and fall claims fall short. (more…)
Keep Your Child Safe With The Correct Use of A Car Seat
As personal injury lawyers in Mississauga, there is nothing more heartbreaking than representing someone whose child has been injured or killed in a motor vehicle accident. (more…)
Getting The Proper Support For A Brain Injury Claim
It’s unfortunate, but insurance companies make it very difficult to litigate a brain injury. In pursuing a brain injury claim, the insurance company may try to prove that your injury is non-existent, was pre-existing or even faked. The key to pursuing such a claim is to offer objective evidence supporting it. In the past, however, that has been difficult to do with brain injuries. (more…)