Insurance Category Archives

The Perils of Long-Term Disability Insurance – Know Your Coverage

Long-term disability insurance provides security. When disability strikes, and you cannot continue working, disability benefits can help ensure mortgage payments are made and food gets on the table. But every policy is different and can be fraught with land mines and unfortunate surprises.

Everyone Should Have $2M Automobile Liability Limits

Automobile liability insurance covers you if you are sued for injuries caused in an automobile accident. Your insurance company appoints a lawyer, defends you and pays out any damages (up to the liability limits).

What’s going on at the LAT these days?

Changes to the Law since 2010

For most of us, driving is a necessity. All drivers in the province of Ontario must have car insurance. Paying these ever-increasing premiums is also a necessity. Despite the fact that premiums keep increasing, the car insurance policy is shrinking. Most injured people get only $3,500 in rehabilitation coverage. Even those with more serious injuries, including catastrophic injuries, have had their benefits cut in half. …

Saving Joint and Several Liability

What is Joint and Several Liability? Where more than one party is at fault and causes harm to someone, they are, in law, equally responsible to pay out the total amount of damages owing to the injured person. This happens frequently in car accident cases where an at-fault driver’s insurance policy limits are not adequate to cover the injured victim’s damages. If a municipality is …

Tort Rights Eroded for Victims of Auto Accidents

Drunk, distracted and dangerous drivers – sit back and relax. Why? Because you don’t have to fully pay for your mistakes. The insurance companies that hire lawyers for you and defend you in court have spent millions of our premium dollars lobbying the government of Ontario to take away the rights of the people you injure when you are driving. Because of these efforts, the …