Car Accident

Published on: April 2, 2026

Multiple Accidents, Multiple Deductibles

Some people are very unlucky. The act of getting into an accident is very lucky in and of itself.

The person is simply in the wrong place, at the wrong time; and as a result, they’ve been involved in a serious accident and sustained very serious injuries.

Sometimes these people are the in the wrong place, at the wrong time, but on multiple occasions. So, instead of being involved in one accident, they are involved in two, or three accidents.

It doesn’t just have to a car, bike or motorcycle accident. It could be a lot of things. One car accident; one bike accident; one slip and fall accident; one dog bite. It doesn’t matter because the impact to the Plaintiff is all the same. It just adds to their damages, injuries, pain, suffering and their ability to carry out a normal life. Just when you thought you were on your way back to making a recovery, or returning to work, the second, or third, or even fourth accident completely derails all of the hard work you’ve put in to your rehabilitation. This experience can be incredibly frustrating and depressing.

Things don’t get better when insurance lawyers look at the situation. In fact, many insurance lawyers like to hear that there are multiple accidents.

Why is that? Are they actively rooting for the person to get into an accident because they find enjoyment in the pain and suffering for another human being? Absolutely not.

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Published on: March 11, 2026

Bad Evidence in Your Car Accident Case will Produce an Inaccurate Result at Trial

By Goldfinger Injury Lawyers

As a personal injury lawyer, I see a lot of police reports. The majority of the police reports which my law firm sees deal with car accident cases. And as you know, car accidents happen for a lot of reasons. Some are honest mistake driving errors. People were simply not paying proper attention to the road, or made a mistake while driving.

Some car accidents happen for more serious reasons like driving while distracted on a cell phone, or drunk driving.

Regardless of how the car accident happened, the police are responsible for investigating these car accidents, reporting them accurately, and charging the at fault driver when it’s appropriate to do so.

In recent years, Goldfinger Injury Lawyers has seen the trend of police officers asking drivers who have been involved in car accidents to “self report” the accidents to a self reporting collision centre.

We saw this sort of thing years ago when the damage to the vehicles was minimal, and there were no personal injuries to report. This made sense in the vein of no harm, no foul.

But, nowadays we are seeing a more disturbing trend. More serious accidents; ie; accidents where there is serious property damage along with personal injuries are also being self reported because the police aren’t taking the time to report these accidents themselves.

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Published on: January 23, 2026

Winter Weather Car Accidents and Car Accidents on Highway 401

By Goldfinger Injury Lawyers

It’s been snowy.

It’s been icy.

It’s been slushy.

It’s been mucky.

It’s been dark, cold and cloudy.

Yes my friends. It’s been a bitter cold winter.

And with bitter cold winters come lots of car accidents. Even if you have snow tires and you’re an experienced driver, and you drive slowly, accidents still happen. Because operating a 4,000+ pound machine on a sheet of ice and snow at speed isn’t supposed to be normal. Accidents will happen.

The topic of this edition of the Toronto Injury Lawyer Blog relates to winter related car accidents because a little birdy told our personal injury lawyers that this Sunday we are expecting over 30cm of snow. If even half of that amount falls on an Ontario City, it will cause some seriously dangerous driving conditions which municipalities are showing that they are having more and more difficulty handling. Cities and Municipalities seem to be less equipped to deal with winter; or is that just us thinking that. It’s a story for another blog entry.

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Published on: November 18, 2025

Tips on How to Protect Yourself after a Serious Car Accident

By Goldfinger Injury Lawyers

In school, you’re not taught what to do after a serious car accident. There is no course or classroom lesson. This is something which people will learn from friends, family members, lawyers, reading, or through life experience.

While car accidents happen everyday, the same people aren’t involved in car accidents everyday. They are the exception, and not the norm for individuals. But, the opposite is true for insurance companies. They handle hundreds of calls a day, and thousands of cases each year across the country. Handling car insurance cases is part of their business model. They are familiar with the ins, and outs, and what has to get done in order to process a claim and see it through.

Our personal injury lawyers have seen that people want advice in their time of need right after a car accident. They don’t know where to turn, what to do, or who to trust. Innocent accident victims are shaken up, and in a vulnerable state. They want to trust their insurance company to given them advice, and to point them in the right direction. But, the insurer has their best interests in mind, and not yours. They will try to set up the claim in such a way as to best limit their exposure in an effort to maximize their profits. So, injured accident victims need to beware, and take everything which the insurance company says with a grain of salt (or a large mound of it). The relationship between injured accident victim and insurance adjuster can get off on the right foot, but can quickly sour thereafter. A few denials here and there. An assessment with an “independent” specialist to justify a denied treatment plan. Things can get messy really quickly. Here are some quick tips on things to avoid with your insurance company following a serious car accident:

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Published on: November 12, 2025

Goldfinger on Snow, Snow Tires and Snow Falls

By Goldfinger Injury Lawyers

Most people around the Golden Horseshoe Area of Ontario woke up Sunday morning to snow. It was the first snowfall of the season. Normally, the first snow fall is just a warning shot. It snows; and it’s pretty. And very quickly, the snow melts away without causing any chaos. It’s a reminder to make our vehicles, our homes and ourselves “winter ready“. This means a mad rush to buy salt or sand for our driveways and walkways, getting our snow tires on our vehicles; having winter clothes and winter boots (which fit; especially for the children); making sure our vehicles have proper levels of antifreeze and windshield washer fluid (the stuff that works well in the winter); installing winter mats to our vehicles, homes and places of business and any other preparation that suits your needs for the winter weather. It’s quite a transition going from “this weather is tolerable” to “I don’t want to leave the house because it’s cold and yucky outside”.

After the first snowfall of the year, our law firm gets a lot of accident calls. Whether they are slip and fall calls, or car accident calls; we tend to see a lot more accidents after the first snowfall of the year. I have a lot of theories behind this. But, the primary theory always comes down to the fact that people aren’t ready for the first snowfall. They either forgot about how to deal with driving or simply walking in winter weather conditions. Or, they are new to dealing with winter weather conditions. If you are new to Canada, and coming from a country that doesn’t experience snow, ice or slush; then driving or just walking in your first snowfall is new and you don’t have the experience of handling these conditions. The other part of the equation is that people are taken by surprise by the first snowfall. They don’t have their winter boots ready. Their snow tires aren’t on their vehicles so they are sliding all over the roads. Finally, the city’s snow plows and salt trucks are ready, but they really aren’t in a winter maintenance grove because it’s their first time needing to be dispatched for the season. When you haven’t done something for a while (like trucks/snow plows sitting idle in a yard all year long), getting back into the swing of things can take time.

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Published on: October 23, 2025

Goldfinger on Torte, Torts, Tort & Personal Injury Lawyers

By Goldfinger Injury Lawyers

You will often hear personal injury lawyers refer to the term “tort“, or “tort case”, or “tort claim” or “tort law”. But what is a tort anyways? Here is a quick breakdown.

Torte: Noun: a yummy and rich, often multilayered cake that can be made with little to no flour, using ground nuts or bread crumbs instead. These cakes are typically filled with ingredients like whipped cream, buttercream, jam, or fruit. Many traditional tortes, such as the Sachertorte and Linzer torte, have Austrian or German origins. Torte cakes are not legal terms. They are delicious deserts which make for wonderful housewarming presents.

Torts: Person: John Tortorella aka “Torts” (born June 24, 1958) is an American professional ice hockey coach and former player. He most recently served as head coach for the Philadelphia Flyers of the National Hockey League (NHL). Tortorella has also been the head coach of the NHL’s New York Rangers, Tampa Bay Lightning, Vancouver Canucks and Columbus Blue Jackets. He led Tampa Bay to the 2004 Stanley Cup championship. I do not recommend bringing Tort with you into the Courtroom for a personal injury case. While I believe that he’s a great guy, and would make for a tenacious advocate, his expertise trends more towards hockey rather than personal injury litigation.

Tort: Noun: Legal: is a wrongful act other than a breach of contract for which relief may be obtained in the form of damages or an injunction. An act of injury or damage to a person or property that is covered by a law, so that the person can start a court action. Ontario car accident cases are divided into two cases: The Accident Benefit Part and the Tort Part. The Tort claim is the claim against the at fault driver who caused the accident in the first place. You will hear your personal injury lawyer describe this as the “Tort Claim” or the “Tort Case” or the “Tort Action“. Not to be confused with Torte (the delicious cake described above) or Torts, the Stanley Cup winning hockey coach described above. You can see how people can get confused!

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Published on: October 17, 2025

Goldfinger On Personal Injury and Privacy

By Goldfinger Injury Lawyers

I was watching the film All The President’s Men from 1976. It stars Robert Redford and Dustin Hoffman as Carl Bernstein and Paul Woodward (Woodward and Bernstein) as the two Wash Post journalists who broke the Watergate Scandal involving President Richard Nixon. I was watching the moving because Robert Redford passed away last month, and I wanted to watch (re-watch) some of his work.

So much was different with the 70’s. The attire. The hardwire rotary dial phones (with multiple lines in fancy offices). The fact that people picked up their phones. If people were away from their desks, there were no answering machines. You would leave a message with a receptionist, and she (back then it was always a she) would leave the person a note (almost always on yellow paper) to call the person back.

What amazed me of Woodward and Bernstein was how easily they were able to access information, and how few barriers there existed back then to obtaining background information in those days. There are many more privacy barriers when it comes to access to information today.

In one scene, they attend at a library in Washington and they’re able to see instantaneously the names telephone numbers, addresses and amounts of all donors tied to the Democratic Party to elect the next President. With that hot list of contacts in hand, they’re able to knock door to door, or make cold calls. People actually either answered the door, or answered the phones to speak with these guys. Getting this sort of personal information so easily is almost unheard of these days. Getting people to cooperate with you is just as rare.

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Published on: August 21, 2025

Artificial Intelligence and Personal Injury Law

By Goldfinger Injury Lawyers

There are some great ways which Artificial Intelligence (AI) can help personal injury lawyers run their practice and help their clients.

But, there are some major pitfalls to leaning too heavily on AI.

Lawyers who use artificial intelligence the wrong way will get punished. I am reminded of the decision of Ko v. Li, 2025 ONSC 2965 (CanLII) where the lawyer included in her factum references to several non-existent or fake precedent court cases. In her oral argument in open court the lawyer relied on two non-existent precedent cases from her factum.

This is a bad use of AI. There will be no substitute for a lawyer reviewing the work being submitted to the Court. The lawyer is ultimately responsible. “The Buck Stops Here“.

Lawyers can use AI to prepare all sorts of pleadings and documents, but, if those lawyers don’t check the work being submitted, they are doing so at their own peril.

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Published on: July 10, 2025

Personal Injury Cases: Don’t believe everything you see or hear!

By Goldfinger Injury Lawyers

There are so many tall tales in personal injury law. Things which you hear from your friends, family, therapists, neighbours, acquaintances, or random people in your community are so far off from the reality of what actually happens behind the scenes, and the work involved in a personal injury case.

The only people who really know what happens, and how things happened are the lawyers themselves.

There are a lot of reasons for this.

For starters, personal injury cases deal with new litigants, who are unfamiliar with personal injury cases, or how the law works. This is completely normal as for the majority of clients, it’s their first time hiring a personal injury lawyer, or a lawyer all together. When you are new to litigation, it’s hard to understand how things get done. It’s perfectly ok to be a first time litigant. In fact, if you’re a multiple time litigant for a personal injury case, it will give your lawyer cause for concern. You must be terribly unlucky, finding yourself repeatedly in the wrong place, at the wrong time. You will also likely have an extensive pre-accident history which will invariably come up in your personal injury case.

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Published on: April 24, 2025

When International Students and Visitors to Canada have Accidents in Ontario

By Goldfinger Injury Lawyers

When an international student or a visitor to Canada has a serious accident in Ontario, it can get very complicated.

Who will pay for the medical treatment? The hospital visits? The ambulance? The out of pocket expenses? What about the loss of opportunity to pursue their studies, or the wage loss from a part time job?

These are really hard questions, and all depend on the facts of the case, along with the coverage of the injured party.

For starters, people in Canada on Student Visas, or a Visitors Permit won’t have access to the publicly funded OHIP system, the same way that Canadian Resident will. This is why it’s so important for the student or visitor to Canada to make sure that they have proper health care coverage before they come to Canada.

Having bad insurance will end up in a less desirable result. Just because an insurance plan is the cheapest, doesn’t mean that it’s the best. Often, you get what you pay for. Nobody ever expects to be involved in a serious accident, but if one happens, it sure helps to have a responsive and supportive insurer; rather than an insurance company which is the habit of denying claims, or being non-responsive to their insured.

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