Blogs


Driver liability in a rear end collision

Rear-end collisions are somewhat unique in terms of fault determination.  Ontario courts assign 100 per cent fault to the rear driver in almost all negligence lawsuits.  This means that if you were seriously injured in a rear end collision, you likely have an excellent case for a finding of negligence on behalf of the other […]

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Drivers are Liable for Car Accidents caused by Distraction

In the fall of 2015, a woman was hit by a car and sustained severe injuries while she was riding her motorcycle near Peterborough.  The injured woman and mother of three, Linda Brown, alleges that the driver who struck her was distracted at the time.  Ms. Brown is actively trying to raise awareness of the […]

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Slip trip and fall accidents are often caused by an unsafe property

Slip, trip and fall accidents are generally not perceived as a particular threat to the well-being of Canadians.  However, the probability of serious injury, even death, from a slip and fall accident is significantly higher than from all other accidents, with the exception of car accidents.  In fact, thousands of Ontario residents miss work each […]

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What is an ‘Accident’? Part 2 of 2: Use or Operation

What is an ‘Accident’? Part 2 of 2: Use or Operation The Statutory Accident Benefits Schedule (‘SABS’) defines the word “accident” to mean an incident in which the use or operation of an automobile directly causes an impairment or damage.1 This blog post will discuss in plain language what is meant by ‘use or operation’ […]

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The Mario Muzzo crash is unfortunately one of several recent drunk driving accidents resulting in a wrongful death and devastating Ontario families

In a recent, much publicized trial in Feb 2016, Mario Muzzo pleaded guilty to multiple impaired driving charges, including four counts of impaired driving causing death.  The charges were in connection with a tragic car accident caused by Muzzo in September 2015, which resulted in the death of a 65 year old grandfather and three […]

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Accident Part 1: Automobile

What is an ‘Accident’? Part 1 of 2: Automobile The Statutory Accident Benefits Schedule (‘SABS’) requires accident benefits be paid to persons injured in an accident. 1 The SABS defines the word “accident” to mean an incident in which the use or operation of an automobile directly causes an impairment or damage.2 As you might […]

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Insurance Benefit Exclusions: Who’s not Covered?

The Statutory Accident Benefits Schedule (‘SABS’) limits the entitlement of some ‘insured persons’ to accident benefits by creating a number of exclusions.1 Exclusions disentitle insured persons from certain benefits. These benefits are: a) income replacement benefit, b) non-earner benefit, c) education benefit, d) visitor benefit, and e) housekeeping benefit. A driver is disentitled to these […]

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Insured Persons. Who is Covered?

Generally, all Ontario residents are insured with accident benefits for two reasons: A scheme of laws ensures all vehicles operated in Ontario are insured with accident benefits1. As will be seen below, if one vehicle in an accident is insured, everyone injured in the accident is likely considered an insured person for accident benefits. If […]

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Overview of Mandatory Statutory Accident Benefits

Overview of Mandatory Statutory Accident Benefits The following chart contains a summary of the primary Statutory Accident Benefits (accident benefits) that are mandatory in every car insurance policy sold in Ontario. These accident benefits are set out in the Statutory Accident Benefits Schedule1, commonly called the ‘SABS’. There are also ‘optional benefits’ set out in […]

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