While it is illegal in Ontario to operate a vehicle without insurance, many people still do it. To protect the public in situations where individuals are injured in accidents where no automobile insurance exists, the provincial government created the Motor Vehicle Accident Claims Fund (the “Fund”). The Fund is a last resort measure and all other avenues for insurance coverage must be considered prior to applying to the Fund.

Motor vehicle accidents and slips, trips and falls are leading causes of traumatic brain injuries here in Canada. Brain injuries can vary between a mild traumatic brain injury such as a concussion, to severe brain injury with debilitating effects. Even a mild injury can result in life-altering changes, taking a toll on the injured and their families.

It’s a scenario none of us want to be in – getting into a motor vehicle accident. If you manage to find yourself in this unfortunate circumstance, it is important for you to know the next steps you need to take. The most pertinent question immediately after the collision happens is, is it plainly obvious who was at fault? Be sure to exchange all the insurance information with the other driver and get the driver’s full name, address, contact information, licence plate and the name of his or her insurance provider.

Singer Kwinter had recent success at the License Appeal Tribunal (“LAT”) with respect to a Catastrophic Impairment decision. Following a seven-day hearing held in-person over the months of October and December 2019, the LAT in Z.K. and Allstate Insurance Company Limited[1], determined that our client had sustained a Catastrophic Impairment as a result of his motor vehicle accident of June 6, 2014.

Perhaps no city in Canada has more condominium developments being erected at a faster rate than Toronto. Seeing a new condominium building open has become a common occurrence in our city. But with the opening of all these new buildings brings the possibility of injuries occurring on the premises.

In Ontario, individuals have access to several types of disability coverage, each one interplaying with the other. The focus of this blog is mainly for those injured in motor vehicle accidents.

There is no shortage of write-ups online about the hazards that can present themselves during summer cottage season and the necessary safety measures owners have had to take to prevent injuries or death. Whether it is boating, jet-skiing, drinking, swimming, diving, or lighting fireworks, a host should always be extra cautious when permitting such activities.

Singer Kwinter is proud to announce that our firm has been recognized in the 2021 edition of The Best Lawyers® in Canada.

After a commercial or residential property loss has been reported to the insurance company, a claims adjuster is assigned and immediately begins investigating coverage. One of the most common requests we see within days of the loss is for a recorded statement from the policyholder. While it may appear like a harmless request or even a necessary step in the process, recorded statements are the insurance company’s secret weapon.

Alf Kwinter discussed in the first legalwriter.net’s continuing series called Bucking the Trends: Lawyers who make a difference – their own way.

With the glorious warm weather upon us, the thrill of jumping on a motorcycle and riding through the streets is undeniable. However, before hopping on, ensure you are prepared to do so, and your motorcycle is roadworthy. Motorcyclists are vulnerable road users given that motorcyclists lack protection and motorcycles are smaller in size in comparison to a car or truck. If struck, motorcyclists are likely to be very seriously injured.

When an insurance company receives a claim-what is the first thing it probably looks at? Most likely it turns the claim over to look at the back page. That is where it finds the name of the law firm acting for the Plaintiff. And you can be quite sure that is what concerns the insurance company most.

It is important to take into consideration the implications of engaging in sport activities that require a large amount of physical movement and contact. One of the worst outcomes that can arise from playing team sports is suffering a concussion.

Punitive damages or “Punies” as we call them, are just as the name implies – a punishment. It’s when the court, either a judge or the jury, decides that the conduct of an insurance company, when dealing with the policyholder, is so unfair and outrageous they will award damages above and beyond the actual claim.

Insurance coverage is determined by the terms of the policy. Therefore, examination of the insurance policy is a key first step. An insurance policy is a complicated document setting out what losses are covered and those that are not. Losses not covered are referred to as “exclusions” and you can be sure the policy will contain many exclusions.

“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.

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.

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.

Singer Kwinter’s case has prompted Ontario to change its law on innocent co-insureds in standard home insurance policies.

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 and can contact Wrongful Dismissal Lawyer.