Occupiers Liability for COVID-19 Exposure: A Difficult Claim to Make

September 2021 marks the 1.5-year mark since the start of the COVID-19 Pandemic. The impact that COVID-19 has had around the world has been nothing short of unprecedented. The world has pivoted in ways we never imagined possible in such a short time…

Suing a Municipality: What if I Didn’t Give Notice Within 10 days?

Section 44(10) of the Municipality Act mandates that for incidents that occur on municipal sidewalks or roadways, an injured party must provide notification of the incident to the municipality within ten business days, failing which they are disentitled from suing the municipality for their injuries. However, there is an exception to the 10-day notice period…

How Many People Actually Buy Optional Accident Benefits?

In Ontario, the standard no-fault Accident Benefit coverage for Catastrophic injuries (i.e. the most serious injuries) is $1M for all Medical, Rehabilitation and Attendant Care services. That amount is not enough to protect you if you are catastrophically injured. For an extra cost, you can buy an extra $1M of coverage (increasing your coverage to $2M)…

Top 5 “Wow!” Moments from Insurance Companies’ Submissions to the Ontario Government on Restoring the $2M Catastrophic Limits

In 2019, the Ontario Ministry of Finance asked for submissions on automobile insurance and whether to return to a $2M limit for medical, rehabilitation and attendant care benefits for catastrophically injured people. Here are the Top 5 “Wow!” moments from those submissions…

The Effect of Excluded Driver Endorsements

In certain circumstances, an insurance company or a person insured under a motor vehicle policy may request the execution of an Excluded Driver Endorsement, also known as the “Ontario Policy Change Form 28A” or “OPCF 28A” in Ontario…

Uncovering the Truth, Hidden Documents and Buried Children: Residential School Survivors and Their Families Deserve Better

There will never be enough compensation to make whole Residential School Survivors or their families, but their experiences cannot be in vain. That requires getting at the truth which continues to rear its ugly presence, even more than 13 years after the Government of Canada formally apologized in 2008. Despite that apology, the wounds of the past continue to be reopened both for residential school survivors and their families…