Why are Ontario drivers not purchasing additional accident benefits?
In January of 2011, FSCO: Financial Services Commission of Ontario lead a study and surveyed the people of Ontario, in particular, the largest automobile insurance insurers in Ontario. The survey looked at 24 large insurance companies that help close the 3/4 of the Ontario insurance market. Sadly the results from the survey indicated that most people are not purchasing the extra additional accident benefits avail ale to them. In fact, most drivers were unaware of the optional benefits. As an Ottawa personal injury lawyer, I find this very disturbing. It seems that insurance benefits available to drivers are continuing to be reduced year after year, yet premiums are remaining the same.
As of February 1, 2014, more disturbing reductions in accident benefits came into play. The newest reductions affect attendant care, pre-existing conditions under MIG (the Minor Injury Guideline) and the election of benefits. Unfortunately these changes do not favour Ontario drivers, as they are significant reductions.
Of particular note is the reduction in attendant care. The new attendant care provisions reverse the law as established by the Court of Appeal in Henry v. Gore. What this case established was the amount of “economic loss” is a threshold requirement for payment of an attendant care benefit. Essentially why this case was so important was because it addressed that is an attendant care provider was not acting in the course of his or her ordinary employment, then the amount of benefit payable to them was not to exceed the amount of monies they would have earned in their regular employment. This amendment can leave families in a difficult position as they may not be able to afford to care for their own family members. In other words, if your income is lower than the benefit pay out, you will only get paid what you would have otherwise made at your regular job. So for example, if you are a stay-at-home parent and do not have an income, you will receive nothing for attendant care benefits . This forces many families in a situation of not being able to afford to care for their loved ones with injuries and professional providers will need to be hired.
Ottawa personal injury lawyer David Hollingsworth appeared on CTV news this week and discussed these changes and the implications of the changes for Ontario drivers and their families. In case you missed it, please visit the CTV news at noon website and watch the video.
If you have any questions that relate to the amendments in Ontario insurance, personal injury, or accidents, please fell free to contact us and we would be happy to help.
Ottawa Personal Injury Lawyer David Hollingsworth…It’s not getting any warmer out there Ottawa. The temperatures have dropped yet again and it looks like there is another very cold snap settling into our city. With this cold weather comes, icy roads and Ottawa accidents. This cold winter weather is one of the causes for hundreds of Ottawa accidents yesterday, including a multiple vehicle accident on Hwy. 417
What does this mean for you? Well the truth is as we all know, accidents happen. The only thing you can do is try as much as possible to prevent them from happening by slowing down, making sure your winter tires are in good shape and being extra attentive while driving in difficult conditions. You can only control your own driving and hopefully those drivers around you do the same. Yes, the commutes have been messy and unfortunately there seem to be more messy commutes in the days that lie ahead, as temperatures in Ottawa continue to drop. Let’s hope this extreme Ottawa weather causes people to stop and think for a minute about their driving choices.
Slow down, drive safely and arrive alive.
Free consultation lawyers are here for you.
As a Ottawa personal injury lawyer I often meet with people and they are suffering. Not only are they suffering physically from their accident and injuries; they are suffering financially. Often times, they have been unable to work because of their accident or have only been able to return to work part-time. One of the biggest stresses that people have is that they won’t be able to return to a quality of life they once had. Another big stress is that they can’t afford to fight the insurance company and their insurance company isn’t giving them all the compensation they are entitled to. These are very common, yet stressful concerns.
We are Ottawa personal injury lawyers who understand that these are some of the toughest days of your life. We are here for you. We fund your personal injury case and will cover the costs for you. We also don’t need you to pay us until we settled your case and you get the compensation that you are entitled. Hopefully, we can alleviate the financial stress for you throughout your case so that you can focus on getting better and getting your life back.
You shouldn’t have to worry or stress about money. Being stressed also affects your mood and how well you might heal. You need to leave that stress with us. This is what we do. We can come and meet with you and your family and walk you through how we can help change your life following an accident in Ontario. We not only offer FREE consultations, we will work for you for FREE and we will only get paid when you get paid. How much do we charge? We will meet and agree upon a % of your settlement , depending on the severity and amount of work that needs to be done. You will find that we are quite reasonable in our fees and we are not greedy like some other personal injury lawyers can be. We are fair and we pride ourselves on being the Ottawa personal injury lawyers people know, trust and like.
You owe it to yourself to meet with us and we can lay out your best options.
Have you been involved in a US Accident?
Our Ottawa injury lawyers were thrilled to be able to help a 74 year old client last month. Sadly, he was riding a bicycle in the United States when he was hit by a car. Thankfully, he was ok but he did suffer a fractured pelvis and a left tibia fracture. We were able to help him and negotiated on his behalf with the insurance company. We were able to get him support and compensation as well as $107 500.00 for what he had been through. Our client was so thankful and we were happy to help.
Accidents that take place in another country can still receive compensation. Many people are unaware that an Ontario personal injury lawyer can pursue a claim on their behalf. While accidents in other countries sometimes complicate a claim, experienced personal injuries lawyers know exactly what to do.
This is just one of many cases we were able to settle last month. We have built such an incredible team of injury lawyers, paralegals and personal injury specialists that we are able to help hundreds of personal injury clients each year. We have over 20 years of experience in Ontario personal injury law.We are fortunate that we are the ones who provide “good news” after a terrible and tragic event. Our clients have all been so wonderful and appreciative along the way. We really do understand and care. It’s our job as Ottawa personal injury lawyers to help make things better and we do. If you want to ask us ANY question that relates to personal injury, Ontario insurance, Ontario accident benefits or accidents in general, we are here for you. Email me firstname.lastname@example.org
David Hollingsworth, Personal Injury Lawyers in Ottawa -We understand, we care and we are always here to help ..
Ottawa lawyers free consultations
You may have a small case and are thinking of handling it on your own and just need some basic information on how to deal with an insurance company. A free consultation from an experienced Ottawa personal injury lawyer may be all you need. Most experienced Ottawa personal injury lawyers offer a free consultaitons are are glad to help. They may even have formsavailable that you need instead of you going out and searching for them. The top Ottawa personal injury lawyers can also let you know if you have a case and what you might expect as a settlement from your insurnace company, so that you have an idea of what to expect when dealing with them.
Personal Injury Lawyer Ottawa
If you suffered a more serious personal injury, it is always best for you to meet with an experienced personal injury lawyer before you decide which Ottawa personal injury lawyer you want to work with. Keep in mind that the next several months or years may be very challenging and you need to know that you can relate, approach and work well with your Ottawa personal injury lawyer. As an Ottawa personal injury lawyer, I usually like to meet with new clients at the location of their choice, so I know they are comfortable. I usually listen and gather the facts and then let them know what Ican do for them. I often suggest they take sometime to think about their decision and then contact me when they are ready. I truly feel that this is the best approach for everyone involved. Throughout the process, I often also meet with accident victims family members. These meetings are so important and valuable for everyone.
No matter what the severity of your personal injury, it is always best to consult with an experienced Ottawa personal injury lawyer before negotiating with your insurance company. After all, it’s free to ask questions ! As one of the best Ottawa personal injury lawyers, I am pleased to offer free consultations. I offer my services in English or French and am happy to travel to meet you throughout Ontario.
Ottawa Bicycle Accident Lawyer David Hollingsworth
Did you know that as a cyclists you are entitled to Ontario accident benefits coverage ?
Your own auto insurance, may cover your physiotherapy, your income loss, pain and suffering, attendant care, rehabilitation or any other costs associated with your injuries as the result of a cycling accident. If you don’t have car insurance, the driver ‘s car insurance can also cover your costs. If a child suffers an injury while cycling, your vehicle insurance will cover the associated costs for recovery . Regardless of who is at fault, cyclists are covered.
Are there timelines to adhere to when it comes to cycling accidents ?
Yes, within 120 days of the cycling accident, you need to give notice to the driver’s insurance and your insurance company if you have one. Your personal injury lawyer can do this for you. Then, a standard claim must be started withintwo years of the date of the accident. There are exceptions to these timelines. If you are unclear as to whether or not your timelines are up or not, contact an Ontario personal injury lawyer and they can answer that question for you. If you are close to the limitation period, it is best to consult immediately with an Ontario personal injury lawyer, as it may take a little time to get the paperwork in to begin the claim.
Even if you have spoken with your insurance company, that does not constitute a claim being started. Be careful that you do not miss the limitation period while discussing matters with your insurance company. If you aren’t sure of whether or not you will start a claim, it’s always best to get a free consultation for an Ontario personal injury lawyer and see what they have to say. After all, this is what they see day in, day out and they will be able to immediately point you in the right direction.
Will you need to go to court for a bicycle accident in Ottawa ?
In most cases, you will not go to court. In most cases, your Ontario personal injury lawyer will negotiate a maximum settlement for you and deal directly with the insurance adjuster on your behalf.
How much will it cost to start a lawsuit for a cycling accident ?
In most cases , your Ontario personal injury lawyer will cover your costs as part of the claim. You will not have any out of pocket expenses . Most Ontario personal injury lawyers will take your case on a contingency basis which means once and only when your case settles do you pay your personal injury lawyer and they will take an agreed upon percentage of your settlement. This fee is discussed and you and your lawyer agree upon what that fee will be.
Ottawa Personal Injury Lawyer David Hollingsworth…As you may know I often am asked to appear on CTV to discuss issues that relate to Ottawa personal injury, Ontario personal injury, liability in Ontario, brain injury, spinal cord injury, Ottawa law firms, catastrophic injury claims, trauma injury, slip and fall insurance claims and liability issues. I recently uploaded some of the segments. They can be seen here:
If you have any questions that relate to Ottawa Personal Injury or Ontario Personal Injury and think you may need an Ontario lawyer in Ottawa, feel free to call me for a free consultation. Visit www.ottawainjury.ca
———————- The Ottawa Injury Blog is written regularly by Ottawa personal injury lawyer David Hollingsworth. Since 1999, David has been an Ottawa injury lawyer representing Ottawa accident victims and the families of accident victims who have lost a loved one in an Ontario accident. This blog reports on accidents in eastern Ontario, personal injury issues, local Ottawa news and events and various news that relates to Ottawa, accidents and personal injury. Visit www.ottawainjury.ca for more information. If you have a question, feel free to call or email email@example.com (613) 978-9549
Ontario Insurance Claims Lawyer, Ottawa Ontario Personal Injury Lawyer David Hollingsworth
Ottawa Personal Injury Lawyer David Hollingsworth…I am very happy that Ottawa children under the age of 10 will be required to wear protective helmets during public skating sessions held in City of Ottawa facilities effective January 1, 2012. It is estimated that 5,700 Ottawa children receive medical treatments for personal injury in Ottawa emergency rooms, and 400 children are hospitalized, every year because of sports-related head injuries. This is very disturbing. We all want kids to have fun but it cannot be at the expense of their safety. Please take all necessary safety measures when it comes to children’s safety. There are far too many serious injuries each year such as traumatic brain injuries, spinal cord injuries and serious orthopedic injuries.
The City of Ottawa offers the following Safe Skating Tips:
- Wear the gear! Wearing a CSA (Canadian Standards Association), Snell or ASTM (American Society for Testing and Materials) approved helmet, that fits properly, will help prevent head injury. It should be worn snug, yet comfortable. Hockey helmets are recommended over cycling helmets because they can withstand multiple impacts. Wrist guards, elbow pads and knee pads help prevent wrist fractures, and bruises on knees and elbows.
- Choose proper fitting skates that give good support around your ankles (moulded skates are not recommended). Local sport stores should be able to help you with a proper fit. Remember, new skates must be sharpened before you go on the ice and then sharpened again each year at the start of the skating season.
- Lace your skates all the way up. You should never wrap the laces around your ankle. If the laces are too long, tie them in a double knot so you don’t trip over them.
- Wear only one pair of socks. Multiple pairs will make you feel colder and your skates might be too tight.
- Wear proper clothing: gloves, neck warmer, helmet, waterproof jacket and pants (NO jeans, as they will not keep you warm and dry if they get wet), long underwear, and a sweater should do the trick.
- Get trained! Instructors will be able to teach you the basics of skating, such as how to stop, how to fall safely, and how to get up after a fall. For lessons call 613-580-2596.
- Choose a surface that is relatively free of bumps and cracks to allow for more control and an easier time stopping. If skating on the Rideau Canal, watch for the green flags to ensure the conditions are safe. The N.C.C.’s Rideau Canal Skateway conditions hotline is: (613) 239-5234, press 1,1
- Watch where you are going, and always skate with the traffic. If you want to stop, head to the side so you won’t get in anyone’s way.
Avoid the following:
- Skating on the Rideau Canal Skateway when the red flags are flying.
- Skating too fast – this puts you and those around you at risk.
- Playing sports unless in a designated area (ex: hockey).
- Holding on to more than one person – this increases your chance of falling and hurting someone else.
- Placing sharp items in your pockets (ie. keys, combs, etc.).
- Using your toe-pick to start or stop (this will ruin the ice surface, and it won’t give the stability you need to safely start or stop), or removing bottom pick (designed to help you balance).
- Clothing with drawstrings.
–Enjoy this winter and please be safe. -Ottawa Personal Injury Lawyer David Hollingsworth
Ottawa brain injury lawyer David Hollingsworth, Ontario Traumatic Brain Injury Lawyers
Advice for Selecting the best Ottawa Brain Injury Lawyer
While many minor disputes can be handled in a small claims court or through an alternative dispute resolution, handling a claim for a personal injury as serious as traumatic brain injury requires the expertise and know-how of an Ottawa brain injury lawyer. When you
hire an Ottawa brain injury lawyer, you need to find someone who understands the nuances of your brain injury and has extensive experience interpreting medical diagnoses in order to present the full facts of your brain injury to your insurance adjuster or in the courtroom.
A brain injury is a very complicated legal matter because the symptoms are often “invisible.” This is especially the case when it comes to a mild brain injury. The vocational abilities of victims who have sustained a mild brain injuries are often severely impacted. Victims are typically in denial about a brain injury’s impact on their lives.
Many survivors of a traumatic brain injury do not receive adequate compensation for their brain injury primarily because they hire an Ottawa brain injury lawyer who does not have the sufficient experience to present a legitimate claim for damages. Ask your Ottawa brain injury lawyer about previous brain injury cases they have taken on. When searching for an Ottawa brain injury lawyer, research their education, training, and experience. Determine what kind of knowledge they have about brain injury. Furthermore, find out if they are members of any trial law groups that deal with brain injury. All of these factors will help you determine whether the lawyer’s knowledge about brain injury law and compensation is current.
Some Ottawa brain injury lawyers are willing to represent you on a contingency fee basis. This means that the lawyer will not receive payment until you receive compensation for your brain injury. When working on a contingency fee basis, an Ottawa brain injury lawyer receives a % of the compensation amount. When you hire an Ottawa brain injury lawyer on a contingency fee basis, you can rest assured knowing that you are hiring an experienced, qualified Ottawa lawyer who can practically guarantee results.
Make sure to interview your Ottawa lawyer face-to-face and have plenty of questions ready to ask them so you can ascertain their qualifications. Some important questions you may want to ask include the following:
- How many brain injury cases have you been involved in the last 5 years?
- What % of personal injury cases do you take relate to brain injury?
- What are the settlement compensation amounts you have obtained on brain injury cases in the past?
Choosing the right Ottawa brain injury lawyer is one of the most important decisions you will make in your life. Be sure to find an Ottawa brain injury lawyer with whom you feel comfortable. Moreover, hire an Ottawa brain injury lawyer who has the confidence and experience necessary to handle your case. By taking the time to find a qualified Ottawa brain injury lawyer to represent you, you will be able to receive the recompose that you deserve, enabling you to meet your medical and support needs.
Ontario Accident Lawyer David Hollingsworth, Ottawa Personal Injury Lawyer David Hollingsworth
What are Ontario Accident Benefits Insurance Claims ?
When you or a loved one is involved in an Ontario accident, the first step toward making a claim is to contact your own insurance company. This is the case regardless of whether or not you are at fault, whether you are a pedestrian, or whether you were a passenger in a vehicle. Your own insurance company will be responsible for providing you with Ontario Accident Benefits. Ontario Accident Benefits are designed to provide you with all of the medical treatments that you need, medications, assistance with housekeeping and homemaking, attendant care (someone to help you with your own personal care), other family expenses, income replacement or caregiver or non-earner benefits, occupational therapy assistance, assistive devices, job re-training, as well as other benefits.
Filling out the insurance forms can be a time consuming, confusing and frustrating task. Don’t let this stop you from getting what you help you need and deserve. David and his team of personal injury professionals will help you complete these forms. If you plan to pursue the other driver for compensation for pain and suffering, loss of income or medical or other expenses, you must first apply to receive Ontario Accident Benefits.
Let David tell you more about the importance of making an Ontario Accident Benefits claim and maximizing these benefits.
————————————————————————————————– This Ottawa Injury Blog is written regularly by Ontario bicycle accident and injury lawyer David Hollingsworth. David has been an Ontario injury lawyer representing Ontario accident victims since 1999. This blog reports on accidents in eastern Ontario, personal injury issues, local Ottawa news and events and various news that relates to Ottawa, accidents and personal injury. Visit www.ottawainjury.ca for more information. If you have a question, feel free to call or email firstname.lastname@example.org