Self Driving Cars: Who Is Liable In Case of Accidents?

Self driving cars were tested in 2015 and got the green signal to be operated on Ontario roads in November 2016. Government approval has been granted to three organizations to begin testing these vehicles on the road. They include Blackberry, Center for Automotive Research University of Waterloo and the Erwin Hymer group.

Ontario was chosen for several reasons. Since the province experiences a wide range of weather conditions, this makes it ideal to test drive the vehicles in a variety of conditions and guage their fitness. Ontario also offers a less restrictive bureaucratic environment for such testing facilities. From a technology point of view, this is indeed an exciting innovation and signals the keen competitive edge that Canada continues to maintain in the world of new products, design and technology.

However, their advent raises serious questions about road-safety, infrastructure, crash-avoidance features and most important, about liability in case of an accident.

Ontario laws require a licensed driver to be present in the vehicle at all times. There is no restriction on where the vehicle can travel, or at what time. As of now, things are still at a very early stage and though there is much enthusiasm for the novelty of the idea, their prohibitively high cost at the moment prevents large-scale adoption of the vehicles by the general public. Another drawback is that regulations regarding liability have not yet been fully formulated, leaving consumers in doubt about how accident claims will be covered by insurance.

Our 24×7 accident injury lawyers keep themselves updated on the latest technology/innovations so that they are in a better position to serve clients.

Liability Issues

Some of the top law firms in Canada have weighed in on the issue. They opine that driving a self-driving, semi-autonomous vehicle is much the same as operating vehicles in cruise-control mode. “As long as a driver with some ability to assume/resume control of the vehicle is present, there would seem to be a continuing basis for driver negligence and liability as they presently exist,” was the conclusion.

However, insurance companies have taken serious note of these  developments and are in the process of grappling with issues like the impact of such technology on the auto insurance industry, and who can be held accountable in case of an accident. Can the manufacturer or the driver be liable, or can both be held responsible?

Another issue that the Canadian insurance industry is keenly watching is how the technology evolves. At present, the vehicles are not truly autonomous and this poses challenges for insurers as accident liability shifts from solely on the driver to a mix of both driver negligence and/or software malfunction.

Issues like access to on-board computers to determine liability are also gaining importance, because these deal with confidential and patent issues that manufacturers would decline to share in public. Determining liability in the face of such a paucity of information can be difficult for plaintiffs in personal injury suits.

Emerging technologies can lead to a slew of new products and new legislation.

An experienced, knowledgeable Brampton car accident lawyer who stays abreast of new developments in the field can provide the right assistance.

Pedestrian-Motor Vehicle Collision: Protect Your Rights

Brampton personal injury lawyers are often consulted on cases that involve pedestrian-motor vehicle collisions. Unfortunately, in such incidents, pedestrians suffer serious injuries as they are among the most vulnerable of road users. Bicyclists and motor-cycle riders are also prone to sustain injuries in motor vehicle accidents, but unlike pedestrians, they usually wear safety gear, helmets and protective clothing, which offer some level of protection. Pedestrians are completely exposed to the impact forces in accidents.

Accidents are most often caused by someone’s fault or negligence. They are usually avoidable and preventable. If you or a dear one has suffered serious injuries in such an accident, contact the nearest personal injury lawyer in Brampton. You may be entitled to compensation.

Pedestrians Are Vulnerable

A horrific collision that occurred on August 4, 2017 at an intersection in Mississauga at midnight instantly killed a 62 year old man who was crossing the street. The driver of the car failed to stop immediately, although he returned to the accident scene later. Such accidents only emphasize the extreme vulnerability of pedestrians on roads, at any given time of the day or night. Senior citizens, children and people with disability are specially at risk.

Statistics released in 2016 reveal that the number of pedestrian fatalities in Toronto touched an alarming 15% in 2016, making this a matter of urgent public safety. The numbers are even more frightening when it’s shown that one pedestrian is hit every four hours in Toronto and there’s a fatality every 10 days.

Typically the victims are about the age of 65, walking on arterial roads in the suburbs, at a spot that does not have a traffic sign or crosswalk and they’re usually hit by a larger vehicle.

In general a very small majority of pedestrians are responsible for such accidents and the mishaps are usually caused by speeding, distracted or alcohol/drug impaired drivers.

Canada’s rapidly aging population makes it important that road-safety becomes an essential part of motorist sensitization, responsible sharing of roads, purposeful city planning and urban development.

Claiming Compensation

A significant number of pedestrian accidents result in serious injuries that could leave the victim immobile, paralyzed etc. Loss of vision, traumatic brain injuries, serious fractures, amputation, disfigurement, skin abrasions, burns, bruises, internal organ damage, etc are some of the life-threatening injuries that can occur. Apart from physical damage, the person can suffer:

  • Loss of income/wages/earning capacity
  • Emotional/psychological trauma
  • Pain and suffering
  • Social isolation
  • High and continuous medical expenditure
  • Expenses for rehabilitation, prosthetic limbs, plastic surgery, reconstruction etc
  • Expenses for assistive and mobility devices
  • Home and work-place modification
  • Added expenses for care-giver
  • Home maintenance

In the case of death of a loved one, medical/hospital expenses up until the time of death, funeral expenses, loss of care and guidance, companionship etc are some areas where financial help is essential.

An experienced Brampton car accident lawyer can provide a genuine evaluation of your case and advise you on the route to be followed to claim compensation. There are several complex legal, medical and insurance issues involved and at such a time of crisis, it may be difficult for families to pursue the claim so that a successful outcome is achieved.

 

Injured In A Taxi-Cab Accident? Legal Options Available

Brampton personal injury lawyers deal with cases where people are seriously injured while traveling in taxis. The August 17, 2017 accident at Dixie Road, Brampton, involving a taxi and a transport truck left two people critically injured. Witnesses report that the speeding truck had rear-ended the cab, resulting in life-threatening injuries for the two passengers seated in the back seat of the cab. The driver of the cab was also injured.

Accidents are not always accidental and they’re usually caused by someone else’s fault or negligence. If you or a dear one has been injured in such an accident, contact the nearest personal injury lawyer in Brampton. You may be entitled to compensation.

Accidents Involving Taxis

Taxis are motor-vehicles that are licensed to transport people to a particular destination in return for payment of fare. The vehicle is usually driven by someone who either owns the vehicle or is an employee of a company that runs a taxi business. Some fleets of taxis are operated by the government or local municipality. There are various types of accidents involving taxis:

  • the taxi could collide with a car that you are driving
  • you could be a pedestrian hit by a taxi
  • you could be a passenger in a taxi that was hit by another vehicle

As a passenger who has hired a taxi to travel from point to point, you are as vulnerable to being injured as any other passenger or driver in any other motor-vehicle. As such you are entitled to file a personal injury suit for compensation for personal injury, as it is treated as a standard passenger accident case.

In general, passenger in a vehicle that was hit by another may find it easier to have a more successful outcome, since either one of the drivers can be held liable for the accident, or the passenger does not have to prove liability.

What To Do In Such Cases

Unless you’re seriously injured and immobilized, there are certain steps you can take that could protect your rights and safeguard your interests.

  • Contact the police immediately: You can use your own phone or the taxi-driver’s phone and provide relevant information regarding location, how many people/vehicles are involved, how many are injured, how the accident occurred etc. This information will be used to compile the final police report.
  • Get in touch with a Brampton personal injury lawyer with experience in dealing with similar cases. He/she can ensure that your interests are safeguarded, begin conducting independent investigations into the case, collect data/evidence, assemble witnesses etc to build a robust claim.
  • Consult a qualified physician immediately, even if you feel your injuries are minor/negligible. Certain injuries could become more serious when left untreated. Often, symptoms of serious injuries get masked in the stress/excitement of the event.
  • Take pictures if possible, of location, accident site, position of vehicles, important landmarks, injuries, damage etc.
  • Exchange contact information with the other drivers, passengers and witnesses.

An experienced Brampton car accident lawyer can assist you to open an insurance claim against either the taxi company or the driver, and any other drivers who are found to be negligent.

Trial Scheduling Process in Toronto Courts: New Approach

Beginning this fall, personal injury lawyers can expect to be operating under a new jury trial sitting pilot program.

The changes to the current system are expected to be significant. According to Margaret Waddell, head of the advocacy committee of the Toronto Lawyer’s Association, “There is a tremendous backlog of trials in the Toronto region. Trials are booking into late 2019 and early 2020.”

This project is intended to facilitate a reduction in the backlog by freeing up the time of more judges for trials. Though it is not expected that the pilot project will result in more settlements, grouping them all together in a month period instead of in a sequential order, fewer judicial resources can be utilized to handle more number of cases. 

What Is The Present System?

Nearly 60% of all trials in Ontario deal with personal injury claims. The Sittings Trial is intended to reduce the inefficiencies that are the primary cause of delays in getting the case to trial. The current system of fixed trial dates means that there were good chances that your case could get pushed to a later date if something occurred preventing your hearing on that day. This causes enormous frustration and anxiety in lawyers and clients alike.

In order to prevent overbooking of courts when trials are scheduled on a week-to-week basis, trial dates for new cases are often given two or three years into the future. Most personal injury cases are settled out of court, but many, especially medical malpractice cases go to trial. The current system means that litigants have to wait for years in case they wish to have their day in court.

Witness availability is another issue in long-drawn-out trials. In many cases, the witnesses are busy professionals like doctors, accountants, etc who cannot guarantee that they will be available on that particular date many years down the line.

The New System

Prominent lawyers opine that for years, Toronto lawyers have had to explain to distressed clients that their trial date will be set for one or two years down the line. Although discovery has been completed and the lawyers themselves are ready with all processes necessary for trial, the old system entails long delays due to overbooking of courts.

Since the new approach does not involve a fixed schedule, cases could be called at any time during the four-week-long schedule. This allows more cases to be handled during this time.

Additionally, such a system ensures that enough judges have been empaneled to try cases during this time, leading to better efficiency and cost-effectiveness.

Possible Problems

Though the program seems feasible and advantageous, there could be certain issues. Scheduling conflicts with other regions may be one of them. Lawyers may find themselves in a quandary if they have booked cases simultaneously. The pilot also doesn’t address one of the root causes of overbooking, which is the shortfall of judges.

If you or a dear one requires assistance, advice and advocacy in a personal injury case, contact one of our experienced personal injury lawyers without delay.

Structured Settlements: Ontario Court of Appeal Ruling Sends Positive Signals

Couples entering into marriage or a long-term relationship usually do so with the intention of staying together for the rest of their lives. However, the tragic truth is that this doesn’t always happen. Marriages and relationships can end for a variety of reasons like incompatibility, infidelity, etc but financial reasons are the most common reasons for a couple to separate.

This is specially true when one of them suffers an accident and there are enormous physical, financial and emotional burdens to be borne. Issues of employment, social interaction, physical and emotional relationships, mobility, support, care-giving etc put a huge strain on the relationship when one of them is seriously injured. When as a result these, divorce is being considered, the issue of a substantial settlement of a personal injury claim being treated as common property arises.

However, a recent ruling by an Ontario Court of Appeals in the case of Hunks vs Hunks the court ruled that such settlements could not be considered as property and are therefore not subject to the divorce proceedings under the Family Law Act. These settlements are “income” and not “matrimonial property” and their value is not to be shared between estranged spouses.

The Hunks vs Hunks Case 

Donna Hunks who is now aged 62 was badly injured in 1996 just eight months after she married her husband Gary Hunks. She was grocery-shopping in a supermarket when she was hit by a loaded shopping cart or palette and was badly injured. She was unable to return to work in the office where she was employed.

She filed a personal injury suit against the supermarket and it was settled for $571,000 including $8000 for her husband who claimed loss of her care, guidance and companionship. She utilized $200,000 for her family’s benefit and the rest was used by her lawyer to purchase her an annuity that would give her a total of four structured payments paid out once every five years, plus a certain amount every month for life.

In 2011, the couple separated. According to Ontario’s Family Law Act, with very few exceptions, all property acquired during the marriage is to be evenly split between the parties. A 2015 Ontario Superior Court deemed that the settlement received by Donna Hunks constituted a “pension” and as such it was part of the matrimonial property and had to be divided equally.

However, on appeal in March 2017, the Ontario Court of Appeals ruled unanimously that this decision was incorrect. It considered that structured payments were more similar to disability benefits which are deemed to be income under the law and thus cannot be divided.

Impact On Future Rulings

The debate regarding structured settlement vs lump sum payments remains valid, but structured settlements now seem more secure and offer a tax-free, guaranteed annuity. Even when relationships end, the injured person’s financial future remains secure. The case has far-reaching effects for personal injury settlements and what lawyers may now recommend to their clients.

Contact an experienced personal injury lawyer with experience in dealing with such cases if you or a dear one faces such an issue.

Legal Marijuana and Reforms in Impaired Driving Legislation: New Canadian Initiatives

Tabled in April 2017, a new legislation that legalizes the use, cultivation, sale and consumption of recreational marijuana makes Canada the first G7 nation and the second country after Uruguay to adopt such a measure.

Deemed historical by some observers, this move lifts nearly one hundred years of prohibitive laws on the recreational use of cannabis. However, the Liberal government has simultaneously strengthened and overhauled the impaired driving laws that relate to users of both drugs and alcohol.

This is part of the Trudeau administration’s poll promises that it rode to victory on in 2015. The “pot plan” as it’s being dubbed, is a two-fold approach to the issue, and addresses the concerns of road-users, motor vehicle accident lawyers and law enforcement departments.

Ontario Provincial Police are bracing for an uptick of cases following the new rules. One of the key issues facing police and traffic authorities is the problem of collecting evidence of drug-impairment, measuring the levels of drug in the body and ensuring that such cases are properly charged.

The New Marijuana Rules

Prime Minister Trudeau has reiterated that the new rules are designed to prevent minors from falling prey to drugs and also ensure that organized crime is prevented. The bill allows those above 18 to possess up to 30g marijuana both dried and fresh. A higher age-limit option is also left to the discretion of each province. The new rules allow people to grow up to four cannabis plants or purchase them from a licensed retailer. Cannabis oil, dry and fresh cannabis will become available immediately, and edible forms of the drug may become available later.

Dealing in the drug outside the legislative framework and guidelines still remains illegal and the government denies any move to promote the use of the drug. It is also against the law to sell drugs to a young person (as mandated by provincial rules) and also use youth in cannabis-related crimes.

Public Safety Minister Ralph Goodale opined, “If your objective is to protect public health and safety… and stop the flow of profits to organized crime, then the law as it stands today is an abject failure.” He was speaking at a news conference and added, “… Canadian teenagers are among the heaviest users in the Western world …. we simply have to do better.”

Impaired Driving Laws

Several changes have been made to the Impaired Driving Laws. These changes introduced by Justice Minister Jody Wilson-Raybould introduced signaled certain provisions that have raised concerns among defense lawyers and constitutional experts.

The new legislation allows for mandatory roadside alcohol testing and a new range of criminal charges for driving while under the influence.

Police can now demand a saliva sample if they suspect drug impaired driving. However researchers have raised questions about the validity of such roadside tests. There is currently no definitive, reliable testing available to determine marijuana impairment, according to experts.

The new legislation also reduces the time that drivers have to wait before they can return to driving.

Summers Are Fun – But Hazardous Too!

When the cold Canadian winter finally recedes, it’s the time for celebration! Unfortunately, summer is also the season for injuries and accidents. Ranging from sunburn to allergies, falls, motor-vehicle accidents, sports injuries and insect bites/stings, this is a busy time for ERs and doctors around the country.

A 2011 study conducted by the Canadian Insititue for Health Information notes that bicycling injuries are among the most common of summer recreational and sports injuries. Workplace injuries and falls also spike during the summer months. Summer is also the season for home improvement projects, renovations, spring-cleaning etc and these activities can all be potentially risky.

The fact is that most accidents are preventable and avoidable. They’re usually caused by someone’s fault or negligence. Preventable injuries cause the death of nearly 15,000 people annually across Canada. They are also the reason for 3.5 million ER visits and 231,000 hospitalizations.

Serious injuries cause huge physical, emotional and financial burden on not just the injured person, but also on the entire family. They can lead to loss of income, high medical and rehabilitation expenses and immense pain and suffering.

A study conducted in 2004 estimated that there is also a huge economic burden on society as a result of such injuries. The cost was assessed to be nearly $19.8 billion in both direct and indirect expenditure, reduced productivity, hospitalization, disability and early death.

Recent figures show that 20% more accidents occur during the months June to August. Popular opinion assumes that more alcohol-related fatalities occur during winter holidays when weather conditions and visibility are poor and there are many more people driving under the influence of alcohol. However, Canada’s National Collision Database figures reveal that there are more collisions in August than in any other month.

The primary risk group are younger drivers aged between 16-24, vulnerable road-users like pedestrians, bicyclists and motorcyclists, high-risk drivers who drive impaired, without seat-belts, aggressively and at high speeds.

The cost of these collisions has a huge impact on the national economy and the losses represent 2-3% of the country’s GDP. Apart from this, the social and personal costs are huge when catastrophic injuries or fatalities happen.

Statistics have been compiled that reveal the prevalence of different types of injuries during the summer months. Home-based accidents and injuries also become much more common during this season, when children and seniors are out enjoying the warm summer sun.

Accidents are waiting to happen around the home. A simple activity like lawn mowing can become dangerous and risky. Skateboarding accidents can cause traumatic brain injuries, serious fractures etc. Drowning accidents, swimming-pool accidents and injuries, burns from grills and barbecues etc are some of the common reasons for people to rush to the nearest ER.

If you or a dear one has been injured in an accident, it’s important to get immediate medical attention. Following this, contact a reputed and experienced personal injury lawyer to evaluate the circumstances of your case. You may be entitled to compensation, if your accident was caused by someone else’s negligence or fault.

Keeping Your Child Safe: Child and Booster Seats

According to the Canadian Pediatric Society, the main cause of death of Canadian children is motor vehicle collisions. A report titled Transportation of Infants and Children in Motor Vehicles (2006) revealed that 16% of fatalities and 19% of injuries in children and adolescents occurred as a result of motor vehicle collisions. The report categorically states that although there are stringent rules regarding use of child safety seats in all the 10 provinces and 3 territories, many of the accident-related injuries were directly caused by the non-use or misuse of child safety restraints.

A Ministry of Transportation recommendation states that car seats are the best way to prevent serious injury to children in collisions. Using the right type of car seat is an important aspect of this and the seat should be chosen based on the child’s weight, height and development.

Motor vehicle accident lawyers are strong advocates for the use of safety restraints and car seats in children and adults. When properly installed, they reduce injury risks by nearly 70%.

Each province and territory has its own restrictions and the make and model of each car seat will have its own set of restrictions. Some seats may fit across more than one stage and it’s safest to keep to one stage for the maximum/complete length of time.

Stages of Car Seat Use

There are 4 main stages of car and booster seat use.The manufacturer’s label will provide information on the correct size, weight and height of the child that should be using this particular seat.

  • Stage 1: Rear-facing seats: for newborns and toddlers. The Ontario Highway Act mandates children up to 9kg use rear-facing seats.
  • Stage 2: Forward-facing seats: with tether strap for children between 9-18 kg.
  • Stage 3: Booster seats: raise the child’s height so that the adult seat belt fits better. Recommended for children under age 8, less than 4’9” tall and weighing between 18-36 kg.
  • Stage 4: Seat belts are recommended when the child is able to sit comfortably with legs bent over the seat edge and is able to maintain this position through the trip. Shoulder belt should cross the shoulder and chest and lap belt should cross the hips and not the stomach.

Doctoral candidate at the University of British Columbia, Takuro Ishikawa opines that the main purpose of seat belts is not to prevent people from being ejected out of a vehicle. It is designed to redirect crash forces to the hips and chest which are the strongest parts of the body. In children between ages 4-8, the seat belt crosses the stomach and neck, causing the impact forces to be felt most in these regions. This causes internal organ damage especially to the spleen, bowel and liver.

Top Errors

  • Not purchasing good-quality product
  • Using unsafe after-market products/devices
  • Incorrect installation
  • Seat not secured tightly
  • Harness not snug
  • Chest-clip not at armpit level
  • Tether-strap not anchored
  • Rear-facing infant placed in front of air-bag
  • Incorrect routing of seat-belt
  • Using recalled or unsafe seats
  • Failing to restrain

If your child has been injured in a motor-vehicle collision, contact the nearest personal injury lawyer for advice and assistance. You may be entitled to compensation.

Signing Waivers: Sports and Adventure Enthusiasts Beware!

Sports and adventure lovers, visitors to amusement parks and recreational grounds seldom pay attention to the fine print on their entrance tickets.

If read carefully, this will show that it is a waiver or release of liability which prevents an injured person from taking legal action and suing for personal injury in case of an accident at that location.

When you and your loved ones are out for a day’s kayaking, zip-lining, bungee-jumping or you’ve taken the kids to a theme park, etc, the waiver means that the organizers, parks or company running the event/sport have no responsibility for injuries that could have resulted from their failure to take reasonable care.

This is common practice, and that’s probably why most people tend to take them lightly, or ignore them. Many people are under the impression that such waivers cannot stand up in a court. However, a spate of recent cases has shown alarmingly different results.

What Are Waivers?

The term “waiver” is a short form for waiver of liability for negligence. It is basically a contract in which the signatory agrees to give up something, usually a right or entitlement, that they would normally have.

In the sports or adventure context, this means that the person who participates in such a program agrees that they will voluntarily give up their right to sue the organizer of the program for negligence in case of injury while participating. This is also an issue in the context of granting of school permissions by parents. The term takes its meaning from the Latin phrase used in jurisprudence:  volenti non fit injuria (to a willing person, injury is not done)

Essentially, this is a method that organizers use to transfer the risk back to the participant instead of taking responsibility for it. In activities which are inherently risky, this may be a good practice to protect organizers, though they have been criticized on moral and ethical grounds.

Are They Legally Enforceable?

In a recent case, Dr Blake Jamieson was seriously injured during mountain-biking at the Whistler Mountain Resort, owned and operated by a corporation. He signed a risk and indemnity release as part of the requirements for using the facilities at the park. The park also had several signs and warnings placed at prominent locations which warned participants of the inherent risks involved while using the park’s features and trails.

Whistler contended that it had provided enough information to Dr Jamieson when he signed the release. Patrons had been asked to read the contents of the release, confirm that they had read and understood them and then sign.

The judge opined that the release was valid in its content and presentation and that “any reasonable person, who can read English, faced with the document, would understand that the risks of using the Park are very serious, and that by signing it, the person waives his or her right to sue Whistler.”

Canadian courts, including the Supreme Court have usually upheld the validity of waivers. Experienced personal injury lawyers like Barbara Stratton opine, “You’re not really protected. You chose to engage in that sport. You knew or should have known what you were signing.”

New Automatic Insurance Coverage for Uber Drivers in Ontario

Brampton personal injury lawyers deal with cases where drivers and passengers of cab aggregators like Uber are involved in collisions.

Ontario and Alberta are two provinces where Uber ride-sharing drivers and passengers are now automatically covered by an innovative new product , Uber Commercial Insurance.

The growing popularity of the sharing, just-in-time, on-demand economy has created the need for such services. Uber operates in several cities in Ontario and is an extremely popular choice with many sections of the population.

In an insurance industry first Ontario’s insurance regulatory body announced that it had approved of a policy from Intact Financial Corp. making it possible for Uber drivers and passengers to have insurance coverage for their ride-sharing services. The policy will be paid for by Uber.

Important Features of The Policy

This new insurance policy coverage covers both passengers and drivers and comes into force the moment the Uber app is first turned on and continues until the passenger exits the vehicle. When the app is not turned on, the vehicle owner’s personal auto insurance comes into effect.

The policy applies automatically to all Uber drivers regardless of their own auto insurance. When they’re driving their vehicles for private use, customers of certain insurers are protected as usual under their own policies at no extra cost.

The coverage includes statutory accident benefits, uninsured motorist coverage, family protection coverage and third-party liability up to $1 million when the app is in use but no ride has been accepted. When a ride has been accepted, the coverage limit is raised to $2 million. To get comprehensive and collision coverage, the car owner must have the appropriate personal policies.

Brian Mills, Chief Executive of the Financial Services Commission of Ontario opined, “Going forward I want to emphasize that the sharing economy in general and the automobile insurance implications in particular will continue to evolve and will require innovative solutions…”

Uber’s Canada general manager Ian Black welcomed the move in a statement as being “a smart seamless and simple solution for driver partners.”

The Ontario government has also approved regulatory changes under the Ontario Insurance Act to allow insurance companies to develop commercial fleet insurance policies for ride-hailing organizations.

How It Operates

The Uber journey is divided into Phases 0, 1, 2 and 3, where during:

Phase 0: the vehicle is being operated for personal use and the driver is offline.

Phase 1: the driver has logged on to the app but is yet to accept a ride.

Phase 2: driver has accepted a ride-request and is en route to collect the passenger/s.

Phase 3: driver is transporting passengers to their destination.

The new policy covers drivers, vehicles and passengers through Phases 1-3.

Uber drivers must contact their insurance brokers to inform them that they will be participating in the ride-hailing industry. This helps to bridge gaps between their existing and new ride-sharing coverage. Drivers need to inform their personal insurers that their vehicles are being used for Uber ride-hailing.

Since this is a very new development, there is still little clarity on how the courts will rule in case of a claim. An experienced Brampton car accident lawyer can assist, advise and advocate for you in such a situation.

Tire Blowouts – A Summer Traffic Hazard

Brampton personal injury lawyers know that summer road-trips and vacations can turn into a nightmare when a tire blowout happens.

Traveling in summer can be dangerous because there’s much more traffic on the roads, the demographic includes a significantly larger number of young, inexperienced drivers and many more people driving under the influence of alcohol etc.

Transport Canada studies show that drivers need to take precautions to ensure that their tires are in good condition before they set out on the road.

Blowouts Are Extremely Dangerous

Did you know that there was a tire blowout season? According to Popular Mechanics, it runs from somewhere in mid-May through to early-October in the US. In other countries which experience extreme variations in climate, there is probably a similar time-frame when tire blowouts are more frequent.

The most dangerous blowouts are those involving large trucks and semis on highways. The entire tread can explode off an 18-wheeler semi in a single piece, or the tread can burst off the tire in a bunch of smaller bits. Either way, blowouts put other road-users at a huge risk. The vehicle becomes highly unstable and the driver loses control of it. It can turn turtle, cross lanes, hit or jump over dividers. In other cases, the cargo can work loose from its moorings, scatter across the road, posing a risk to oncoming and following traffic. If the material is hazardous, the risks become even more compounded.

Why Do They Happen?

Trucks crossing Canada’s vast network of roads may travel across heat-waves on the Trans-Canada highway. Asphalted roads can transfer huge amounts of heat which in turn pass immense amounts of heat on to tires. With the hot air expanding inside the tire too, a tiny structural weakness in the tire can cause a disaster.

Most drivers tend to under-inflate their tires in summer, since they expect heated air to expand inside them. Most trucks tend to be more heavily loaded in summer and drivers are less vigilant about checking tire pressure in the more pleasant driving environment. They also need to check tire pressure when cold to get the right reading.

Low tread depth is another risk factor. Truck drivers/owners have to ensure that the tread depth is kept at the manufacturer’s recommendation to ensure better handling. This also reduces blowout risks.

Cutting costs by using winter tires in summer can be absolutely fatal. Spring changeovers are vitally important and drivers need to take the time and effort to do this. Well-maintained tires that are designed for the season are a driver’s best bet in avoiding accidents.

Another issue is regular maintenance. Commercial truck companies must follow safety standards and ensure that their vehicles are kept in top running condition.

Bad road-conditions, potholes, nails and debris on the roads can raise the risks of tire blowout.

It’s important to understand that summer tire blowouts happen following accumulated damage. They don’t suddenly occur. Hence regular inspection and maintenance are crucial.

If you or a dear one has been injured in such an accident, contact the nearest personal injury lawyer in Brampton with experience in handling similar cases.

Accidents Caused By Road Debris : Whose Responsibility?

Brampton personal injury lawyers often deal with cases where people are injured in collisions involving debris on the road.

The December 2015 incident on Highway 401 in Pickering, where a woman driver was critically injured by metal debris falling off a tow truck and piercing her car’s windshield, has brought the serious issue of damage caused by falling debris into focus.

In this particular incident, , a long piece of metal, used to connect vehicles by tow truck operators, caused damage to at least four other vehicles on the highway, as it kicked up and was tossed on to oncoming vehicles repeatedly.

Accidents caused by road debris are more common than we think. The American Automobile Association’s Foundation for Traffic Safety has provided startling figures revealing that a huge number of motor-vehicle accidents are directly caused by road debris. The Foundation estimates that nearly 25,000 collisions are caused on North American roads each year due to scrap metal, road gators, garbage etc.

If you or a dear one has been injured in a collision caused by road debris, contact the nearest Brampton car accident lawyer with experience in dealing with such cases. You may be entitled to compensation.

Causes of Falling Debris Accidents

Trucks and trailers transport different items that include cars, motor-cycles, gravel/sand, cement/concrete, flammable liquids, oil, milk, frozen food, animals, rocks and stones, logs, hazardous chemicals and gases, fruit and vegetables, poultry, eggs, water, metal, etc. Motorists on highways who travel at high speeds least expect such debris to be lying on the tarmac or to fall off over-loaded trucks in front of them. They can cause a variety of injuries and damage ranging from cracked windshields, burns, toxic fumes, serious injury to drivers and passengers besides causing multi-vehicle pile-ups and collisions.

The actual weight of the items may not cause damage but the impact, velocity and speed with which they strike can certainly cause extensive damage to people and vehicles following them. Trucks on highways usually travel at speeds upwards of 60mph and they may have warning signs that caution vehicles following them to keep a 200m gap.

Who Is Responsible? 

Drivers of trucks with/without trailers are responsible for their vehicle and load. They must ensure that the load is:

  • secured properly
  • within the weight and height restrictions
  • will not shift during transportation.

Sharp turns and sudden stops can cause the load to shift and the driver must be ever alert.

Commercial trucks are more liable to lose their cargo due to faulty securing, but private vehicles, smaller trucks, pick-ups and minivans transporting goods may also not have their load properly secured.

Ontario has very strict guidelines about operating a vehicle without secure load ranges, with fines ranging between $130-310, based on whether the vehicle is commercial or personal. The Highway Traffic Act deems that loads that over-hang the back of vehicles by more than 1.5m  should be marked by a red flag, red marker or red light, based on time of travel and the ambient light.

If you have suffered injuries in such an accident, a thorough investigation into the circumstances can help fix the liability clearly and help you get the compensation you rightly deserve.

Hurt On Private Property? Your Legal Options

Slip and fall accidents can have a far-reaching impact on not just injured  victims, but often on the entire family.

Such accidents can result in a variety of injuries that result in serious physical, financial and emotional consequences.

Most people tend to assume that “Accidents are just accidents.” However, it’s a fact that most accidents are avoidable and preventable. They’re usually caused by someone’s fault or negligence, especially when they occur on someone else’s property.

Another common assumption that people make is that the accident happened because the victim was careless or not paying enough attention. As a result, many people injured in slip and fall accidents fail to take action against property-owners. CBC News Toronto reported that  that slip and fall injuries seemed to be on the rise and these figures continue to cause alarm pedestrians and health-care professionals. Toronto’s extended wintry conditions are the culprit in the huge number of people who have been injured after slipping and falling on icy, wet pavements, uncleared snow, hidden potholes and a host of other unforeseen hazards.

Skidding on ice can lead to a range of injuries, including a nasty crack on the head, damage to your spine, fractured hip-bones, dental and facial damage and crush injuries. If you skid and fall from a height, the risks are even greater.

Property-owners have a duty of care to ensure that their premises remain safe for all those who legitimately visit.

If you or a dear one has been injured in a slip and fall accident, contact the nearest personal injury lawyer with experience in dealing with similar cases. You may be entitled to compensation.

Types of Injuries

When such accidents happen, the injuries can range from minor and temporary to serious, life-altering, life-threatening and permanent. They include different types of soft tissue injuries, fractures, brain and spinal cord damage etc.

Whatever the nature of injury, it’s important to immediately report the injury to someone in authority at the site of the accident, collect details of how the accident happened by taking photographs if possible and most importantly, visit a qualified medical doctor without delay and get a thorough examination done. These steps are crucial when seeking compensation and medical, legal and insurance issues arise.

Who Is Liable?

Though the circumstances may differ from case to case, in general, property owners, those who rent or lease premises, multiple occupiers like shared tenancies, both landlord and tenant sharing the premises, organizations like sports-bodies etc all have a duty of care to ensure that their premises remain in a state of reasonable safety. Occupier’s Liability laws are in force across the country and clearly define the liability in case of single or multiple  owner/lessee/tenant/occupier. The lease or rent agreement should define the responsibilities and duties of each one of the parties, regarding areas, inspection, repairs, maintenance and liability.

Business owners are held to a higher standard of care. They must ensure that warning-signs are in place and be reasonably able to foresee  negligence by any third-party who occupies the premises.

Injured victims or their families can ensure that their rights and interests are protected by consulting an experienced slip and fall injury lawyer.

After The Event Insurance: Implications For Personal Injury Litigation in Canada

Brampton personal injury lawyers need to inform their clients that After The Event (ATE) insurance is now available in Canada. This can be purchased by a claimant after an accident occurs in order to offset legal and other costs in automobile or non-automobile personal injury cases.

What Is ATE?

ATE is a legal expenses insurance policy that fully protects our clients against the at-fault party’s adverse costs, their own disbursements etc in the event that the case fails or is abandoned for some reason.

It can be used by both claimant and defendant but in practice, it is mostly used by claimants. It is generally purchased by lawyers/law-firms on behalf of their clients. Brampton slip and fall injury lawyers and Brampton car accident lawyers can provide more information on this.

ATE covers legal costs that claimant  has to pay to defendant when the claim is unsuccessful. The claim may be lost in a trial, it may be abandoned or settled after the defendant has incurred certain costs that the claimant is liable to pay. It may also cover costs that the lawyer/law-firm has to incur in the course of the personal injury case. These may include accessing police and medical reports, payment of court fees, getting expert opinions etc. Though some experts feel that ATE encourages less-than-efficient litigation since it offsets costs onto insurers, in fact ATE allows our clients to get the best services, since we can afford to secure our disbursements

Typically, an ATE policy costs below $1500 and provides coverage for $100,000 for:

  • Defense and disbursement
  • Claimant disbursements
  • Interlocutory costs
  • Coverage for failing to beat settlement offer
  • Claimant disbursements in case of claim abandonment

Time of Purchase

ATE insurance is purchased after the accident (event) has occurred and before any major legal costs and disbursements have been incurred. Hence, ATE is usually purchased at the point at which the lawyer begins pursuing the claim. Some lawyers/firms tend to leave the purchase of ATE a bit later, when the court proceedings are well on the way. However, this could be counter-productive as by then, significant expenditure would have been incurred and there are no guarantees about the outcome of the claim.

Important Aspects

ATE is an incentive for reasonable settlement and the elimination of frivolous litigation. In many cases, when claims have lower chances of success in court, defendants may make an offer in exchange for waiver of costs. Also, in some instances, claimants may refuse a reasonable offer and go on to win at trial, but the award may be a lesser amount. Court may use its discretion and order that the claimant pay defense costs from date of offer to trial. Often, plaintiffs are left with almost nothing or may owe money to defendants. In such cases, ATE provides for coverage of adverse costs.

ATE could be mandatory in some jurisdictions and it is important to discover early on whether the claimant is insured against costs consequences. This can significantly impact the settlement process.

Our experienced brampton personal injury lawyers stay well-informed on all the latest rulings regarding ATE policies so that your interests are fully protected.

Brampton Personal Injury Lawyers: Big Or Small – Accidents Hurt!

Brampton personal injury lawyers Singh Barristers are regularly consulted by people who have been injured in various types of accidents through no fault of their own. 

Slip and fall accidents and motor-vehicle accidents are among the most common ones in urban areas. Such accidents are on the rise in recent years, partly due to the fact that Canada has a large and increasing component of elderly citizens. This demographic may suffer a variety of accidents on city streets. As pedestrians they may be involved in motor-vehicle collisions, or they may suffer slip and fall injuries. This can seriously affect their future health, mobility, quality of life and financial and emotional well-being. 

The most unfortunate aspect of such accidents is that most of them are preventable and avoidable. They’re usually caused by someone’s breach of safety regulations, fault or negligence. 

Contact the nearest personal injury lawyer in Brampton if you or a dear one suffers injuries in an accident. You may be entitled to compensation. 

Common Injuries That Senior Citizens Suffer In Accidents 

As our Brampton car accident lawyers and Brampton slip and fall injury lawyers know from experience, the elderly comprise one of the most vulnerable populations in our cities.

They can suffer a variety of injuries in accidents, based on their general health status, weight, age, etc. The injuries may include:

  • Ankle, Wrist, Knee Sprains or Fractures
  • Shoulder Dislocation
  • Facial or Dental injuries
  • Hip Fractures (These are most common among older adults)
  • Back and spine injuries
  • Concussion/Contusion
  • Traumatic Brain Injury
  • Cuts, Wounds, Lacerations
  • Impact Injuries
  • Bruises 

Hip fractures in older adults are a matter of concern. They may require surgery and this is always risky in older people. They cause a range of problems including urinary tract infection, lowered immunity, the need for extended hospital stay, physiotherapy, care-giving, etc.

Elderly people may also suffer severe emotional distress following a fall. Reduced mobility, depression, anxiety, loss of sleep/appetite can result, along with phobias/fears. Nearly 20% of such victims die within a year of the accident.

Our experienced 24×7 injury lawyers can help you claim the compensation you deserve so that you can improve the quality of medical care/treatment and get your life back on track. 

If you, your family or a friend has been injured in an accident, please feel free to speak to one of our injury lawyers for a free consultation about how we are able to assist in making a personal injury claim. We consult in all cities across Ontario with a no win no fee guarantee. Our personal injury lawyers have helped victims secure millions of dollars in personal injury cases. Call us Toll Free On our 24/7 Injury Hotline: 1 – 844 495 7333 or Text a Personal Injury ‎Lawyer 24/7 and get instant help. (416 931 5015)

Brampton Car Accident Lawyers: Advice, Assistance and Advocacy!

Brampton personal injury lawyers Singh Barristers can provide you with a comprehensive range of services that help you and your family get your lives back on track following a car accident.

Whether you suffered a minor fender-bender or a catastrophic collision, it’s certain that you and your family could face certain physical, financial and emotional consequences.

It’s only natural that the mishap disrupts your life in many ways. You and your family may find it difficult to meet medical and rehabilitation expenses, pay for care-giving, meet household expenses when your earning-capacity is curtailed. Additionally, you may also suffer anxiety, fear, depression and post-traumatic stress.

As you struggle to deal with these problems, it’s important to understand that as a victim you also have certain rights. Accidents are not always “accidental.” They are sometimes caused by someone else’s fault or negligence. If you or a dear one has suffered injuries in an accident, contact the nearest personal injury lawyer in Brampton. We can advise you about your rights, based on:

  • circumstances of your case
  • nature and extent of injuries
  • kind of losses suffered

What Benefits Can I Claim?

Ontario’s no-fault benefits scheme SABS (statutory accident benefits scheme) entitles all those injured in motor-vehicle accidents to claim statutory benefits, regardless of fault. This means that your own insurance-company will pay out certain benefits to cover some of the expenses that you have to incur as a result of the accident.

You are also entitled to sue the person/s responsible for the accident. This is best done with the assistance and advice of an experienced Brampton car accident lawyer.

Complex Procedure

Bringing a personal injury suit can be daunting for someone unfamiliar with the process. Victims of accidents and their families are usually focused on recovery and dealing with the day-to-day aspects of it.

There are several complicated medical, legal and insurance issues involved in getting the compensation you may justly deserve. They include:

  • Whom to bring the suit against?
  • Gathering evidence to back your claim
  • Documentation
  • Statute of Limitations time frame
  • Dealing with insurance-companies/claims adjusters
  • Location/venue/jurisdiction
  • Witnesses and Experts

We protect your rights while conducting the process according to the necessary protocol. 

If you, your family or a friend has been injured in an accident, please feel free to speak to one of our injury lawyers for a free consultation about how we are able to assist in making a personal injury claim. We consult in all cities across Ontario with a no win no fee guarantee. Our personal injury lawyers have helped victims secure millions of dollars in personal injury cases. Call us Toll Free On our 24/7 Injury Hotline: 1 – 844 495 7333 or Text a Personal Injury ‎Lawyer 24/7 and get instant help. (416 931 5015)

Accidents Aren’t Always Accidental: Ontario Provincial Police Reports

Brampton personal injury lawyers are aware that most motor-vehicle mishaps that are termed “accidents” are rarely accidental. Instead, they can be traced down to someone’s fault or negligence, deliberate flouting of safety norms, behavior, habits, etc.

Unfortunately, these events result in tragic physical, financial and emotional consequences for the injured victims and their families. The impact of the accident can change the entire course of someone’s life. Death and disability impose a permanent and irrevocable burden on all those close to the victim.

Studies are regularly conducted on the causes of such accidents and the Ontario Provincial Police (OPP) release data that pinpoint some of the causes of accidents.

The Top 4 or Big 4 causes of motor-vehicle accidents are:

  • Distractions
  • Speeding
  • Not Wearing Seat-belt
  • Impaired driving

These factors play an important part in causing crashes and they also affect the kind of injuries suffered by drivers and passengers when a collision happens.

The behavior of drivers and passengers is another equally important criterion. Common mistakes that cause serious collisions have been analyzed by traffic and accident experts. These include:

  • Negligence while turning
  • Wrong use of seat-belt
  • Unrestrained pets
  • Not maintaining lane discipline
  • Improper maintenance of vehicle
  • Driving when drowsy, fatigued or under the influence of alcohol/prescription drugs etc

and many more simple acts of carelessness or deliberate flouting of safety rules.

There are many organizations across Ontario that help to create awareness  about driving and road safety.

Often, the causes of car crashes is put down to speeding. However, speeding is not the only factor. Many pedestrians are killed even in low speed limit zones. This could be because of other aspects like poor visibility, non-functioning crosswalk signals, careless and reckless driving in school-zones, taking sudden U-turns where they’re not permitted etc.

Another reason could be the huge rise in the population of cities like Toronto. The population has doubled in the GTA over the last thirty years, causing an enormous burden on the city’s infrastructure and transportation systems. Mixed traffic on city streets includes pedestrians, cyclists, public and private transportation. Lower speed limits may not solve the problem unless all those who share the road behave with due responsibility and diligence.

Senior citizens and children are among the most vulnerable of pedestrians and they’re also the ones who suffer serious injuries in motor-vehicle collisions. Pedestrians, walkers, runners and joggers are also at risk if they don’t wear reflective clothing and stay alert when they’re out on the street.

A ten year long study conducted by OPP shows that most of the fatalities that took place over the last decade on Ontario roads could have been prevented. However, as many observers and traffic experts have pointed out, studies like this fail to show that there are an equal or higher number of accidents that cause serious and life-altering injuries which put an even larger burden on the state and on the families of the victims.

If you or a dear one has suffered injuries in a motor-vehicle collision, contact an experienced car accident lawyer. We can evaluate the circumstances of your case and apprise you on its merits. You could be entitled to compensation.

 

Dangerous Rollover Accidents: Why They Happen

Brampton personal injury lawyers know from experience that although “rollover” accidents account for only 3% of crashes, they’re responsible for the worst kind of injuries and fatalities. Studies show that 30% of fatalities in motor-vehicle collisions are those that are caused due to rollover accidents. Apart from death, these accidents can cause catastrophic injuries, permanent disability and disfigurement, amputation and many other life-altering conditions.

Tragically, most of these accidents are preventable. They’re caused by someone’s fault or negligence.

If you or a dear one has been injured in a rollover accident, contact a car accident lawyer with specific experience in dealing with such accidents. You may be entitled to compensation.

What Is A Rollover Accident?

These accidents are caused when a vehicle falls over on its side or roof. They are complex collisions and there may be several factors responsible for their occurrence.

Taller and heavier vehicles like SUVs and trucks are more likely to roll over or turn turtle in a collision because of their higher center of gravity. This makes the vehicle less stable. When the vehicle rolls over, passengers and driver are at high risk for head injuries, because the roof collapses inwards. Additionally, since people are belted into their seats, they are unable to move. The doors and windows may jam or get blocked making it impossible for people to exit. Though there are new roof rules for passenger vehicles and SUVs, they still may not be enough to contain the potential damage caused by rollover accidents.

Driving an SUV calls for superior driving skills but not all car drivers understand this. It also requires the driver to be more alert and sensitive to the vehicle’s turning and handling capacity at high speed. There are complex rules of Newtonian physics involved in such crashes. Most rollover accidents are lateral rollovers. Modern features like anti-lock brakes can aggravate the problem.

Typical causes for rollover accidents include speeding, driving under the influence of alcohol or drugs, unfamiliar rural roads, distraction, taking turns recklessly, talking on the cellphone or texting etc. Studies show that nearly 85% of rollover accidents are single vehicle crashes and hence it’s possible to conclude that driver error plays a significant part. A typical example is the collision that occurred on May 17, 2017 on the Springfield Lexington highway.

If you or a dear one has been injured in a rollover accident, our experienced 24×7 injury lawyers can help collate a robust body of evidence with the help of car crash specialists. Accident reconstruction experts can conduct independent investigations into the true causes of the accident and fix the liability.

All injured victims in Ontario are entitled to statutory benefits regardless of fault, but they’re also entitled to file a personal injury suit against the at-fault driver. These accidents can cause huge physical, financial and emotional trauma to not just the victim but also to the entire family. Our Brampton car accident lawyers can ensure that your rights are safeguarded while we help you with getting the compensation you deserve.

Child Passenger Safety: Some Useful Tips

Brampton personal injury lawyers often deal with cases where young children have been seriously injured in car accidents. There’s no kidding around child passenger safety – children and senior citizens are among the most vulnerable of passengers in vehicular collisions. They often suffer serious/fatal injuries that can permanently alter their lives and those of their family-members. 

Although motor-vehicles are thoroughly tested before they are sold, a majority of accidents occur because of driver-error. Distraction, speeding, driving under the influence of alcohol/drugs, reckless driving, road rage, weather conditions, inexperienced drivers, unfamiliar roads and the use of cellphones/texting are some of the leading causes of motor-vehicle collisions. They result in horrible tragedies like the one that occurred in Innisfil, Ontario. 

Studies show that motor vehicle collisions are the leading cause of fatalities among children in Canada. Although all the ten Canadian provinces have stringent rules regarding child-safety seats, a large number of serious injuries/fatalities occur because of non-compliance with these rules. Misuse or non-use of child-safety seats, seatbelts etc are among the common causes of injuries. Ontario laws hold the driver of the vehicle responsible for making sure that a child-passenger below age 16 is properly secured according to their age, weight and size.

The Canadian Public Health Association clearly outlines the proper use of safety devices. The use of appropriate passenger restraints can reduce the risk of injuries in case of a collision. There are different types of restraints and safety devices for children based on their age, size and weight.

  • Rear-facing seats: for children below age 1 and 22 lbs
  • Forward-facing seats: for children ages 4-5, weighing up to 40 lbs
  • Booster seats: for children up to age 9, weighing up to 80lbs and height up to 145 cm.
  • Seat belts for all others.
  • Children should ride in the back seat till they’re 14.
  • Hard, loose toys should not be kept inside the vehicle.
  • Child-seats have expiry-dates. Never use, buy or donate a seat past its expiry date, marked at the back of the seat.
  • Ensure that you change the child-seat if your car has been in a collision, even if the child was not in the car at the time or the seat seems undamaged.

Moving children too early or too late to their age-appropriate category makes child-passenger-seats unsafe. If the child is too small for a seat-belt, but the parents strap him/her in without considering that a booster-seat may be more appropriate, this can result in serious injuries. Severe injuries to spinal cord and internal organs can result, causing what crash specialists call “seat belt syndrome .”

Never leave a child unattended in or around a car. Leaving a sleeping toddler inside a locked car even for a few minutes can be fatal. Drivers should never leave the keys in the ignition even for a second when there is an unattended child inside the car.

Organizations like the Child Passenger Safety Association of Canada 

conduct regular courses for all those interested in reducing and finally eliminating the causes of fatal collisions and risks to child-passenger safety.

Contact an experienced car accident lawyer if you have been involved in an accident that has caused injuries to your children. You may be entitled to compensation.

Walk Safe: Pedestrian Safety Tips

Brampton personal injury lawyers regularly handle cases where pedestrians have been seriously injured in motor-vehicle accidents through no fault of theirs. 

Pedestrians are among the most vulnerable of road users. They are completely exposed to the forces of impact in a collision. Additionally, their age, gender and general health status can play a large part in the kind of injuries they sustain and significantly affect their chances of recovery. 

Summertime is a great season for outdoor play, walks, running, picnics, cycling and this is also the season to be extra careful. Senior citizens who have been cooped up indoors during winter tend to step out to enjoy the sunshine and warmth, while kids take advantage of the longer daylight hours to play or engage in outdoor sports a lot more. 

Figures released by the Ontario Road Safety Annual Report   (ORSAR) reveal that the situation with the highest number of road fatalities in 2016 were pedestrian fatalities. Such accidents represent 20% of the total fatalities for the year. The months May through to October show a higher number of injuries and fatalities caused by collisions.

These figures emphasize the need for safe walking spaces for Ontarians. The Toronto Walking Survey quoted in a 2008 study recommends that more Torontans need to walk and maintain an active physical lifestyle. However, road safety for pedestrians is a huge concern in our increasingly crowded urban centers.

Who Is A Pedestrian?

Pedestrians are those who are not in or on a vehicle, whether motorized or otherwise propelled. They could be people in non-motorized wheelchairs or in a wheelchair that can’t travel at a speed higher than 10 kmph. They may also be pushing a bicycle or a wheelchair.

More male than female pedestrians tend to be killed in motor-vehicle collisions. Senior citizens above the age of 65 account for more than 35% of fatalities. Children represent about 3% of pedestrian fatalities. Peak hours for such accidents appears to be between 2 pm and 10 pm but the twilight hours accounted for 57% of the accidents.

Staying Safe

Toronto has adopted a pedestrian charter that addresses these issues. Several new rules have also been legislated by the Ontario Ministry for Transportation.

Meanwhile, as a pedestrian, follow these tips to stay safe:

  • Use crosswalks to get to the other side. Stay on the pavement.
  • Remember childhood instructions. Stop, Look both ways before you step off the curb.
  • Wear bright, light-colored or reflective clothing.
  • Seniors and children should preferably walk in groups.
  • Avoid headphones/cellphones/music.
  • Keep children off playing on streets.
  • Don’t try to beat crosswalk lights – they’re there to keep you safe. 

If you or a dear one has been injured in such an accident, get immediate medical attention, no matter how minor you consider your injuries to be. Certain injuries tend to appear minor initially but later turn out to be life-threatening. It’s also important to report the accident from a legal and insurance perspective. As soon as possible, contact an experienced personal injury lawyer with expertise and knowledge in handling such cases. You may be entitled to compensation.

Icicles And Snowdrifts On Roof-Tops: These Winter Pile-Ups Can Be Dangerous!

Brampton personal injury lawyers know that icicles and snow-laden roofs may look great on Christmas cards and in family photos, but they can cause accidents that are far from pretty!

Known as ice dams, the icicles that hang so charmingly from the eaves of your roof can cause huge problems to your roof, pose a hazard to occupants and visitors and also raise heating and energy costs inside the house.

Brampton Personal Injury Lawyer

All these issues have serious implications for homeowners and property owners. If you’ve been injured in an accident caused by ice dams or faced losses because of snow pile-ups on your roof, contact the nearest personal injury lawyer in Brampton. You may be entitled to compensation under the Toronto Municipal Code.

What Causes Ice Dams?

Icicles are essentially formed by water run-offs from melted snow which re-freeze when the temperature falls again. An ice dam is a raised ridge that’s formed because of repeated freezing and melting of ice at different times. This ridge prevents falling snow from sliding off your roof. Instead the layers of snow accumulate on your roof. Occasional warm temperatures may cause a portion of the dam to melt and drip, forming icicles as the temperature goes down again.

Icicles are also an indication that your roof is losing heat. Since warm air rises to the top portions of the building, it escapes through gaps in ceilings, attics and damaged portions of roofs. This causes snow on roofs to melt and form dams or icicles.

Slip and Fall Injury Lawyer

Hazards of Icicles and Ice Dams

Dams can force water to flow back into the shingles, and ultimately into the walls and ceilings of the building, causing serious damage to brick, plaster and wood-work.

A 2014 report in the Toronto Star reveals that it’s not just older buildings that have this problem. Ultra-modern towers with super energy-saving features like energy-efficient glass, use the latest building materials and are constructed using cutting-edge design elements play a huge role in increasing the risks of falling snow and ice.

Though the Ontario Building Codes specify the wind and snow load bearing capacity of roofs, they don’t address the issue of sliding or falling snow. These laws hold the city liable for removing ice and snow from the streets but not from roofs. This is the property owner’s responsibility.

Roof-Top Avalanche Injuries

Sudden release of piled-up snow from the dam or careless removal of snow pile-ups can be dangerous. People can be seriously injured by falling snow, children and older people can be buried underneath, they can die of hypothermia or suffer serious brain damage due to cold. Other injuries include:

  • Broken bones
  • Facial/Dental damage
  • Crush/Impact Injuries
  • Traumatic head/neck injuries

Predicting when a slide could happen is almost impossible and this  depends on a large variety of conditions. However, the risk to unwary pedestrians and other road users in the vicinity can be enormous. In many countries with traditionally heavy snow-fall, orienting the roof away from pedestrian traffic is recommended for this reason.

Our experienced slip and fall injury lawyers can assist you to file a personal injury claim for compensation if you have been injured in such an accident.

Changes in Ontario Insurance Act: How Insurance Dispute Lawyers Can Assist

Accidents happen without warning. All it takes is a split second for a disaster to happen, but its effects can last for a life-time. A serious accident related injury impacts not just the injured person, but often the entire family and support system.

Such devastating events impose huge physical, financial and emotional burdens on all those connected with it. The recovery process could be extremely long-drawn-out, painful, frustrating and expensive. There could be a need for a dedicated caregiver, costly and complicated treatments and medication, lengthy rehabilitation procedures etc.

Emotionally, victims and those dear to them are thrown into a psychological maelstrom. Confusion, anxiety, fear, grief and panic attacks, post-traumatic stress syndrome, sleep disturbances, breakdown of relationships, depression, suicidal thoughts, addiction to alcohol or drugs etc are some of the hazards that patients and families have to face.

The economic aspect can be hugely traumatic too. If the injured person was the sole income-earner or contributed significantly to the family income, being unable to work for extended periods can result in income-loss. If there are permanent disabilities, this means there is a loss of earning-capacity. Treatment, home-maintenance, living expenses, debts etc can all pile up and create devastating consequences.

Accidents are usually preventable and avoidable. Most of them are caused by someone else’s fault or negligence.

Meeting Expenses

Most injured victims and families trust their insurer to compensate them for their injuries, based on the type of coverage they’ve purchased. Additionally, all injured victims of motor-vehicle accidents in Ontario are entitled to statutory benefits (SABS) regardless of fault, from their own insurers.

However, injured victims may face several issues and challenges in collecting settlement from insurance-companies. They may dispute the claims on technical grounds, deny or dismiss the nature/extent of defendant liability or minimize your injuries. They may also adopt various strategies to compel victims to accept swift and meager settlements.

Dispute Resolution

At present, disputes between clients and insurers are regulated by the Financial Services Commission of Ontario (FSCO) but if no resolution is reached, there are other avenues available to plaintiffs. Arbitration and a personal injury trial are some options.

Changes To Act

In 2015, sweeping changes to the Insurance Act were made. Insurance dispute lawyers are concerned about:

  • Disputes under SABS now under the jurisdiction of the License Appellate Tribunal instead of under FSCO, effective April 1, 2016.
  • Catastrophic and non-catastrophic funding was slashed.
  • Revisions to definition of “catastrophic.”
  • Mediation fee introduced.
  • Parties are encouraged to settle dispute.
  • LAT not bound by FSCO case-laws and precedents.
  • LAT adjudicators may not have specialization in accident benefits legislation.
  • Ambiguity on statute of limitations period under LAT.

How We Can Assist

It’s difficult to challenge the rulings of insurance companies and government agencies without specialized knowledge and training. An experienced personal injury lawyer who regularly handles such cases can help you get the settlement that you are contractually entitled to.

In many cases, permanent disabilities require a Life Plan to be presented. We work with a multi-disciplinary team to ensure that a robust claim is presented during all communications/arbitration with the at-fault party.

Call for Inquiry into Ontario’s Automobile Insurance Industry: Motor-vehicle Accident Victims’ Advocates

A new, scathing report released by the Ontario Trial Lawyers’ Association (OTLA) focuses on the need for drastic reforms in the auto-insurance industry. Conducted by two independent American experts from the York University Schulich School Of Business, the study reveals several insights that far-reaching implications for this sector.

The primary areas of concern expressed by OTLA included impending cuts to victims’ benefits and biases in medical evidence used to assess injuries/disabilities etc suffered by motor-vehicle accident victims.

President of OTLA, Maia Bent, opines, “After years of changes designed to placate the insurance industry, the government needs to turn its attention to the plight of victims.”

She further remarked that Ontario’s insurance system was in crisis, coverage was being steadily eroded, premiums remained stubbornly high and insurer profitability was allowed to continue without limits. Injured accident victims and their families usually bear the brunt of the punitive changes that have been recently instituted in insurance regulations.

OTLA has called upon the government of Ontario to set up “a commission to conduct a public inquiry to examine the current state of independent medical assessments of injured auto accident victims.”

Additionally, David Marshall, the newly-appointed auto insurance advisor has opined that his task will be “identifying additional opportunities for auto insurance reform…. leading to better health outcomes, lower costs and more affordable insurance premiums.”

Reforms Needed

FAIR, the organization that advocates for insurance reforms for victims of accidents, has welcomed this move. FAIR has deemed that the auto insurance industry urgently needs reforms. Some of the important areas require detailed inquiry into:

  • Lack of diligence by Ontario court system and judges to make sure that medical experts are not “hired guns.”
  • Failure to ensure that medical experts are in compliance with the Rules of Procedure
  • Delay of payments to legitimate applicants – more than 50% claims are routinely denied by insurers
  • Wasteful and exorbitant rates paid by insurers on creating medical reports to counter the claims of legitimate applicants
  • Lax application of standards
  • Ontario regulatory colleges failure to meet their public obligations
  • Ontario taxpayers bearing the burden of motor-vehicle accident victims
  • Ontario insurers commissioning poor quality or partisan medico-legal reports

Medical Evaluations Under Scrutiny 

Rhona DesRoches of FAIR refers to the troubling use of “bogus medical reports and testimony….. the unsavory aspect of auto insurance.”

Currently there is a backlog of more than 60,000 insurance claims in the courts in Ontario, while another 20,000 are held up in arbitration. Studies reveal that insurers pay nearly 70 cents to every dollar they pay victims on gathering evidence to counter the claim.

Unlike other patients, accident victims have no choice regarding the physician who conducts their Independent Medical Examination (IME). In many cases, it is found that the physician provides unqualified, shoddy or biased report. This becomes part of the victim’s medical file and the basis for all further action. Rehabilitation benefits are often denied based on such faulty reports.

Victims and their representatives have no access to the IME physician’s previous history, track record, professional qualities, complaints regarding conduct etc. Another issue is the intended $500 fine for failure to appear at the IME.

If you have been injured in a motor-vehicle accident, consult our experienced, knowledgeable car accident lawyer for a genuine, swift and comprehensive assessment of your claim.

Personal Injury: What to do if you’ve been injured?

If you or a dear one has been injured in an accident, it’s essential to keep calm and take the right steps to ensure that the injured receive immediate medical attention as the first priority. Following this, the police and victim’s insurance company have to be informed. Along with this, it’s also essential to consult a personal injury attorney who deals exclusively with accidents similar to this one and get a swift, comprehensive and genuine assessment of your case, with a view to claiming compensation for your injuries/damages from those responsible for the accident.

Accidents can cause a variety of injuries, minor, major or fatal. These events are not usually as random as we think, but are caused by another person’s fault or negligence and those who have been injured are entitled to seek compensation. Keeping this in mind, these are some of the important aspects to be followed:

  1. Top-quality medical attention is essential, failing which your claim can be weakened as this would be considered failure to mitigate your losses and ensure that the injury does not cause further economic losses.
  2. Whatever the nature of the accident and whatever others around you may advise, a police report has to be filed. This ensures that the accident is documented and can be used in a lawsuit if the case goes to court.
  3. Be discreet and avoid making inadvertent statements. Do not offer information, clarifications or explanations that could jeopardize your claim and be very vigilant while communicating with insurance companies. Never sign any documents or statements without consulting your attorney.
  4. If possible, note down all details of the accident immediately. Keep bills, documents, insurance details, records of wage-loss, days of work missed, doctor’s prescriptions, medical and rehabilitation bills etc.
  5. Do your own research on personal injury and insurance laws and regulations so that you’re aware of filing deadlines, procedures and local regulations.

Apart from these, avoid being tempted to take the offer of quick settlements till you know the complete extent of injury and damages. Often, these settlements are too meager to cover all your expenses and you run the risk of forever waiving your rights to any further claims.

If you, your family or a friend has been injured in an accident, please feel free to speak to one of our injury lawyers for a free consultation about how we are able to assist in making a personal injury claim. We consult in all cities across Ontario with a no win no fee guarantee. Our personal injury lawyers have helped victims secure millions of dollars in personal injury cases. Call us Toll Free On our 24/7 Injury Hotline: 1 – 844 495 7333 or Text a Personal Injury ‎Lawyer 24/7 and get instant help. (416 931 5015)

Ontario Accident Lawyer & Attorney – Car, Auto, Truck, Motorcycle

Being involved in a motor-vehicle accident can be traumatic. Vehicles involved in the collision could be cars, trucks, autos, motorcycles etc, causing damage to the vehicles/property and injuries to people. The injured should be given emergency medical attention at the nearest medical facility by calling 911 emergency-services and informing them about the collision and location. If injuries and damage are minor, many people are tempted to swiftly settle matters mutually among themselves and leave the scene of the accident. This can be risky, because minor injuries and damage to vehicles may be more severe than initially imagined. Insurance companies and the nearest Collision Reporting Center must be informed and accident report is completed and the damage is documented. Otherwise drivers run the risk of the accident being declared as hit-and-run and/or their insurance premium being considerably raised.

It’s important to contact an experienced ontario accident lawyer/attorney who handles motor vehicle accidents exclusively. This helps victims to not only receive all the statutory benefits they’re entitled to, but also to file a personal injury claim for compensation against the at-fault drivers. It’s essential to select the right personal injury lawyer, who has the knowledge/skill/experience and successful track-record in dealing with cases like yours, as it can make all the difference to your claim. Personal recommendations from trusted family members, friends, co-workers etc are the best option, but accident victims can also select reputed and experienced personal injury lawyers from their websites, the local bar-associations or legal directories.

After shortlisting some candidates, prepare a set of questions to ask them. These would include details of their education, legal experience, peer awards, publications, trial and negotiations experience, specific expertise in dealing with cases like yours, likely strategies and professional philosophy. As clients, victims need to feel reassured, comfortable and respected. They also require information about how the case will be handled and fee structure, along with a written contract once the lawyer has been selected. Regular updates on the status of the case and complete transparency as far as negotiations are concerned is essential. Following this, the case is either settled mutually between the two parties or taken to court.

If you, your family or a friend has been injured in an accident, please feel free to speak to one of our injury lawyers for a free consultation about how we are able to assist in making a personal injury claim. We consult in all cities across Ontario with a no win no fee guarantee. Our personal injury lawyers have helped victims secure millions of dollars in personal injury cases. Call us Toll Free On our 24/7 Injury Hotline: 1 – 844 495 7333 or Text a Personal Injury ‎Lawyer 24/7 and get instant help. (416 931 5015)