Making the Case

Insights, opinions and thoughts from the Singer Kwinter legal team.

Alfred M. Kwinter May 25, 2020 By Alfred M. Kwinter

When an Insurance Company Denies a Claim – They Usually Win

“As soon as an insurance company denies a claim – they win.”  That’s how I start my opening statement to the jury every time I go to trial against an insurance company. The reason I state that is because I believe it’s true. For example, when someone has suffered a major loss, such as a fire which has destroyed their home or business, a claim is made for the insurance. The insurance company decides they are not required to pay the claim. The policyholder usually has only 3 choices: They […]

Shane H. Katz May 11, 2020 By Shane H. Katz

Business Interruption Claims and the Coronavirus Pandemic

The global coronavirus pandemic has led many governments to close businesses deemed non-essential.  As a result, many business owners have been left with income losses through no fault of their own that they may not be able to recover. Most insurance policies that provide comprehensive coverage to businesses, provide coverage for income losses suffered when a business is unable to operate at its usual capacity because of a peril covered under the insurance policy.  This type of insurance coverage is known as business interruption insurance. Disputes that arise from business […]

Veronica S. Marson May 4, 2020 By Veronica S. Marson

(UPDATE) Singer Kwinter’s Case Prompts Change to Ontario Law on Innocent Co-Insureds

Singer Kwinter’s case has prompted Ontario to change its law on innocent co-insureds in standard home insurance policies. In Soczek v. Allstate, 2017 ONSC 2262, a woman sustained serious burns after her husband tried to hill her by pouring gasoline on her and lighting her on fire in the couple’s home. Her insurer, Allstate, subsequently refused to pay for the fire damage to the home on the basis of an exclusion clause found in standard home insurance policies. The clause –which was interpreted by the Supreme Court of Canada back […]

Susan Dhaliwal May 4, 2020 By Susan K. Dhaliwal

Property Loss – Protecting Yourself Before a Loss Occurs

We purchase home insurance in the event the unimaginable happens. Often times it is not until after a loss has occurred that we realize our premiums have not bought the peace of mind we thought we had. Claims can be denied or delayed for countless reasons by the insurer. Homeowners can take these steps to protect themselves before a loss to ensure their claim is processed quickly and fairly as possible: Insurance Application – do not make misrepresentations when applying for insurance. If the property will not be your primary […]

Shane Kwinter March 25, 2020 By Shane Kwinter

Wrongful Dismissal: What You Need To Know

If you were previously employed and find yourself in a situation where you have been terminated, you may have a right to make a wrongful dismissal claim, depending on the circumstances. There are various factors to consider. First, were you part of a union? If so, unfortunately this will preclude you from making a claim as members of unions receive their own benefits under a collective agreement. If you were not part of a union, we can look further into the circumstances surrounding the employment. Were you fired for an […]

Alfred M. Kwinter March 19, 2020 By Alfred M. Kwinter

An Update About COVID-19

We’d like to reassure you that Singer Kwinter has been closely monitoring the ongoing situation surrounding the corona virus (COVID-19). We are taking several additional precautions to help us all stay healthy and safe and to ensure that we continue to serve our clients efficiently and without interruption. This includes: We are following the recommendations of the public health officials; We are ensuring that we have uninterrupted access to our systems in order to continue to provide service to our clients; In the event of a closure, we can still […]

Veronica S. Marson March 2, 2020 By Veronica S. Marson

Winter Sports Safety

Winter Sports Safety Winter is a great time to participate in outdoor recreational activities such as tobogganing, ice skating, snowshoeing, skiing, hockey, and snowboarding. That being said, every year, many Canadians become seriously injured after participating in these activities. Here are a few tips to avoid injuries while doing winter sports this season: Wear proper and well-fitting helmets, wrist guards, knee pads, or other protective gear. Take time to learn proper technique for the activity you are participating in. Avoid excessive speed or risky behavior. Follow the rules and pay […]

Alfred M. Kwinter February 11, 2020 By Alfred M. Kwinter

36th Annual Great Valentine Gala

Alfred Kwinter attends the 36th Annual Great Valentine Gala on February 8th at the Royal York Hotel. Tamara Gordon is recognized with the Honourable David C. Onley Award.

Dilenthi S. Warakaulle January 28, 2020 By Dilenthi S. Warakaulle

Marijuana and Road Safety

Getting behind your wheel while under the influence of drugs is not only dangerous, but against the law.  One misstep and you can have your license suspended, face fines, criminal charges, jail time, and pose a significant risk to your safety, the safety of your passengers and other road users. National trends from the Road Safety Monitor 2019, (which is an annual public opinion survey conducted by the Traffic Injury Research Foundation), showed an increase in the use of marijuana since its legalization in Canada. Not surprisingly, the Traffic Injury […]