Section 33 of the Schedule: When is the Production Request “Reasonably Required”

The “duty of an applicant to provide information” section of the Schedule (Section 33(1)1) is a highly effective tool utilized by insurance companies to both adjust their claims and to challenge an insured. An insured runs the risk of a suspension of their benefits if they fail to properly respond in a timely manner to a reasonable request for document

Liability Waivers: Can You Still Sue?

Many companies require their patrons to sign a liability waiver before they can partake in the proffered activity. By signing a liability waiver, you are agreeing to give up your right to sue should you be injured during the activity. If you are injured during the activity, there are certain circumstances in which the courts have found waivers unenforceable…

Food Delivery Services: Car Insurance

With COVID-19 lock downs and “stay at home” orders, food delivery services have become increasingly popular and more people are offering to become drivers for these services. It is important to know that not all services are the same…

What Are the Important Documents in My Long-Term Disability Claim?

Persons who seek legal advice in their claim for short or long-term disability often find themselves sorting through hundreds or thousands of pages to make sense of their claim. This blog will help you understand what the key documents are and why they will matter in your case.

LAT Stats: Market Share vs. LAT Applications and Decisions

This blog post will compare Ontario automobile insurer market shares against the amount of Licence Appeal Tribunal (LAT) Applications and LAT Decisions. In other words, how are the biggest insurers behaving on automobile insurance claims from their own insureds? Which insurers are denying the most claims? And, which insurers play hardball with their insureds all the way up to a LAT hearing and decision?

A Look Into How an Adjudicator is Trained at the LAT

Guest Author: Laura Dickson, Lamont Law In 2018, the independence of the adjudicators and decision-making process was called into question by the Divisional Court. The Divisional Court in Shuttleworth found that, although some outside influence on reason writing was considered permissible, the Court held that there ought to be an institutional consultation procedure in place to safeguard the independence of the decision-maker. The Ontario Court …