Toronto Injury Lawyer Blog

Published on: June 6, 2022

Ways an insurance company will spy on you after an accident or disability claim

There is a whit van parked outside of your home. Perhaps it’s at the end of the street. You’ve seen it parked there all week and a few men in it. When you leave the home, the very same van is following you. You tell your partner that you have a feeling that someone is following you. Your partner tells you to relax and that it’s probably nothing. Your told that you’re being paranoid because you’ve been under a lot of stress and in pain lately. But something is fishy about this van.

You’re not wrong to have these feelings. Sometimes (not all of the time), your feelings of paranoia are justified because someone is in fact spying on you. As creepy as it sounds, it’s true. And worst of all, it’s completely legal.

If you have been hurt or injured in an accident; or have a disability claim against a private insurer (STD, LTD, Mortgage Insurance); there is a good chance that the insurance company you are fighting is doubting the legitimacy of your case. They doubt the authenticity of your claim, the severity of your injuries and they question your credibility. When this sort of thing happens (which is often), an insurance company will use one of its many tools to defeat your case.

One of the most effective tools is in person surveillance. This means that an insurance company will hire a team of private investigators to camp out outside of your home, and follow you around. They may even try to take images of you in your yard or inside of your home. Super creepy.

Some insurers would rather spend tens of thousands of dollars on investigators, medico legal experts and on lawyers fees rather than pay you a single shiny nickel.

What the insurance company is trying the establish is that you are a liar, a cheater, a faker and a fraudster. If they can establish any of the above; they feel confident that they will be able to defeat your claim. In order to do this, the insurer will attempt to create a narrative which they hope a Judge and Jury will buy. They want to establish that at Plaintiff is not trustworthy and is faking their injuries. One of the most effective ways of doing this is by playing movies at trial of the Plaintiff doing things which s/he said that s/he could not do; or which s/he should not have been doing. If they surveillance shows the Plaintiff having no mobility issues, leading what seems to be a normal, care free and pain free life; then a Judge and Jury won’t think that the Plaintiff is injured or disabled. This will take all of the teeth out of the Plaintiff’s case and leave the Defendant in a good position.

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Published on: June 3, 2022

Getting a Personal Injury Case Inside of a Courtroom

By Goldfinger Injury Lawyers

My articling principal was called to the Bar in 1978. For the first decade or so of his practice, he was in Court nearly every day. He was in Court for motions, pre-trials and trials. Because he was in Court so often, it was absolutely necessary that his office be downtown so that he could be close to the Courthouse. The Courthouse was an extension of his office.

I want to be clear that my articling principal managed a very successful civil litigation law firm; and did not have a criminal law practice. Criminal lawyers are in Court far more often than their civil litigation counterparts. In 2022, civil litigation lawyers are not in Court everyday. But, they used to be.

Trials back then could be as short as a half day, or as long as 2-3 days. Running a week long trial (5 days) was seen as a ultra marathon! Accessibility to the Courts existed! You would not have to wait years and years for a Pre-Trial or for a Trial date. You could call the Court and get a motion date and have your motion heard by a Judge in a very reasonable period of time.

The Court was there to serve the important public function of the administration of justice. Court staff could afford to take the time to get on the phone (or even speak to you person!) with lawyers about what to do if documents weren’t accepted by the Court and what needed to be done so that the materials would get accepted.

The lawyers knew the name of the Court staff and vice versa. It was an amicable and symbiotic relationship. Both sides needed each other to make the system work so that justice would flow efficiently.

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Published on: May 26, 2022

Hitting a Deer or a Moose with your car

By Goldfinger Injury Lawyers

The heading of this edition of the Toronto Injury Lawyer Blog “Hitting a Deer or a Moose with your car” may seem like some sort of joke, or click bait; but I can assure you; it’s not.

Hitting a deer or a moose with your car is very real; hence the signage you may see on highways for “Deer or Moose Crossing”. The Minister of Transportation knows of it’s danger, and so should you.

In all of my years of practicing personal injury law, I’ve never handled a case where someone struck a deer or a moose in an urban/city setting. These cases happen in rural, forest and remote settings. And while the chances of striking a deer or a moose with your car may seem awfully remote; and perhaps laughable; these cases are nothing to joke about.

Some of the most serious injuries I’ve seen have resulted from collisions with a deer or a moose. No joke.

Why is that?

For starters, these sort of cases take place on highways or rural roads. The vehicles which hits the moose or deer is generally travelling at a high rate of speed. The faster you’re travelling, the greater the impact and the greater the chance for catastrophic injury.

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Published on: May 18, 2022

A Pot Pourri of Personal Injury Claims

By Goldfinger Injury Lawyers

I was recently at a kid’s birthday party. It was my son’s first “real” birthday party. He hadn’t been to a “real” birthday party in around 2 years or so due to the COVID Pandemic.

It was great socializing with adults from his class. It was great seeing my child interact with his classmates at a birthday party. It was great to be out and about after such a long period of on and off again lockdowns, fear and uncertainty.

One of the adults at the party told me that he kept up with the Toronto Injury Lawyer Blog. He wanted to know how we came up with so many topics to discuss; week after week.

Here are some secrets from behind the curtain about how we come up with topics.

Many would think that personal injury law is a limited topic. But it’s not. Personal Injury Law encompasses so much which people can relate to.

People drive cars, ride transit, walk or ride bikes to get around. Once you participate in any or all of these activities, you open yourself up to a potential claim. Who amongst us hasn’t seen a car accident; or the aftermath of a car accident? How many times have you drove on the highway or passed an accident scene with flashing police lights, firemen and paramedics.

We all know or have heard of someone who has been involved in an accident; whether it’s serious or not. We all likely have someone in our lives who is sick, ill, or disabled from working. They likely require, receive or have applied for either government assistance, or insurance benefits from a private insurer.

In order to drive a motor vehicle you require car insurance. It’s the law.

Who hasn’t done something “risky” like bungee jumping, sky diving, skiing, put their kids in a bouncy castle; or some other action sport which requires the participant to sign a waiver?

Who hasn’t seen a vicious dog or been afraid of a vicious neighbourhood dog? Perhaps that dog got off leash and bit someone?

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Published on: May 10, 2022

Car Insurance Benefits Denied? Apply to the LAT and wait wait wait

By Goldfinger Injury Lawyers

April 1, 2016 was an important date for car accident victims across Ontario. Not because it was April Fools Day. But because on this date, everything to do with hearing and adjudicating accident benefit disputes in Ontario changed.

All accident benefit disputes filed on or after April 1, 2016 which used to be heard at the Financial Services Commission of Ontario were from that point forward heard at the License Appeals Tribunal or LAT for short.

Only around 2 or 3 adjudicators from FSCO transferred over to the LAT, so there was no real continuity or institutional knowledge which had carried over from FSCO to the LAT.

Adjudicators at the LAT were not bound by any precedent set by the years of caselaw developed at FSCO.

There were new shorter time lines which the parties had to deal with. New rules regarding expert reports and expert qualifications.

Costs only awarded in rare circumstances, and when costs are awarded, they are under the low end of the spectrum.

The cost burden shifted significantly to the injured accident victim who has much less money to spend on legal fees than does the insurance company who they are fighting against.

At FSCO the accident victim simply filed for mediation. The cost of filing for mediation was free to the accident victim. If the mediation failed, the accident victim could give up on the case, pay $100 to file for Arbitration, or elect to sue in Superior Court.

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Published on: April 30, 2022

Starting a personal injury case arising from a car accident

By Goldfinger Injury Lawyers

I’ve been involved in a car accident.

How do I start my personal injury case?

This should be an easy question. And it was a much easier question to answer in the 70’s or in the 80’s. But in 2022, car accident law along with car accident cases have become very complex. Car accident law should NOT be rocket science. Unfortunately, it has become rather close needing skilled and expert personal injury lawyers to handle these sort of cases.

Let’s get the stuff out of the way which does NOT require the expertise of a skilled personal injury lawyer.

You don’t need a personal injury lawyer to dial 9-1-1 to contact the police or an ambulance about your car accident

You don’t need a personal injury lawyer to go to the hospital to get medical treatment for your injuries

You don’t need a personal injury lawyer to get the name, contact and insurance information of the other driver (but your lawyer car certainly do that if you forgot or could not do so)

You don’t need a personal injury lawyer to report the accident to your own insurance company (although your personal injury lawyer can do that as well if you’re not able to do so on account of your injuries)

You do not need a personal injury lawyer to take photographs of your injuries or of the damage to the vehicle(s) involved in the car accident

All of these things sound and ought to be simple. It’s common sense. But the thing about common sense is that it ain’t so common.

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Published on: April 28, 2022

What do Market Caps and Personal Injury Cases Have In Common?

By Goldfinger Injury Lawyers

When assessing cases, both Plaintiffs and Defendants need to evaluate risk.

What are the chances of success and more importantly; what does success look like?

For an insurer Defendant, the ideal successful case will involve a quick and quiet dismissal of the action; with or without costs. The case is closed and the insurer does not have to pay.

For an injured Plaintiff, success can mean a lot of things. It can mean a finding of liability against a Defendant which signals to the Plaintiff that s/he was right. It can mean a declaration that the Plaintiff is disabled or entitled to benefits which also validates a Plaintiff.

But for most personal injury lawyers and insurance companies, what they really look at is the worth of the case on the best day scenario for a Plaintiff (or worst day for the Defendant).

Now these estimates can vary depending on the lens through which the case is assessed. But it’s equally important for Defendant insurers to have an honest assessment of their potential exposure on a case so that they can underwrite it properly. Just as it’s important for a Plaintiff to understand their best day, or worst day so that they can best assess their risk every step of the way in the litigation process.

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Published on: April 18, 2022

Spring Time Personal Injury Trends: Biking & Pedestrian Accidents

By Goldfinger Injury Lawyers

Changes in seasons means changes in behaviour and patterns. Now that we are experiencing some “warmer” weather; we are seeing more people out and about. And I use the term “warmer” rather loosely. We aren’t seeing negative temperatures anymore and there isn’t any snow, ice, or slush on the ground. Here are a few of the trends that we see in personal injury law as the temperatures begin to heat up.

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Published on: April 15, 2022

Innocent Accident Victims Play Nice. Most Insurers Don’t.

By Goldfinger Injury Lawyers

The majority of my clients are first time litigants:

It’s their first time retaining a personal injury lawyer; or retaining a lawyer at all
It’s their first time suing
It’s their first experience with the legal system
It’s their first time getting really hurt and needing to do something about it from a legal perspective
It’s their first time getting denied by an insurance company
It’s their first time feeling gaslit by an insurance company
It’s their first time participating in sworn statements, an examination for discovery, medico-legal assessments, mediation, having surveillance conducted on them, Pre-Trial, Trial and all of the other things which go hand in hand with personal injury cases

The parties which my clients sue or seek benefits from are large and sophisticated insurance companies. This is not their first rodeo. They are well versed in the dark arts of litigation. Strategically defending lawsuits is what they do well.

Insurance companies know what they are up against. They are facing off against for the most part, unsophisticated accident victims who are hurt or injured. The Plaintiffs are new to litigation and all of the ups and downs which it presents. Insurance companies know how to say the right things because they have experience. Having their lawyers say “healing words” to appease a Plaintiff; or say all the right things to gloss over a terrible sequence of events is less expensive than paying out an award for damages.

An apology costs n0thing. Stating condolences for the loss of a loved one costs nothing as well.

But paying out of a claim costs the price of said claim.

There is a quantifiable economic difference between the two which insurance companies and their lawyers know all too well. Why pay out on a claim when you don’t have to? Why pay more on a case when you don’t have to? It makes financial sense. If an insurance company either liked your claim, or wanted to get you the compensation you deserve; you would have received that compensation by now.

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Published on: April 6, 2022

Do I have a personal injury case?

By Goldfinger Injury Lawyers

Do I have a personal injury case? You be the Judge.

Once upon a time there was woman who was walking in a public park. It was winter and cold and icy. In the middle of the park stood a large snow covered hill. There was no visible path up the hill because it was covered in snow and ice. The hill had been used by children for tobogganing, but there was nobody tobogganing on that particular day.

There were signs along the hill from the City/Municipality stating “Hill and Paths not maintained in the Winter. Use at your own risk“.

The hill was both high, steep, snow covered and slippery. But it was also very tempting and mysterious for the woman in the park who was standing at the foot of the giant hill. What could be on top of the hill? What could be on the other side of the hill? Am I strong enough to climb the hill and make it all the way to the top? Do you think that I would set a record for being the first person to climb the hill in the winter? If I climbed the hill on my own, would I win a prize? Perhaps I would be on the news for climbing this glorious hill….

So many questions, so little time; and such a tempting hill.

The woman could not resist. Her curiosity got he best of her and she proceeded to climb the hill. Slowly but surely, she summited to the top of the hill. But when near the top of the hill she lost her footing and twisted her ankle. She was not able to walk properly for days and needed some physiotherapy.

Now the woman calls a personal injury lawyer and shared her story of the giant hill in the public park. She wanted to sue the hill and sue the City/Municipality for not making the hill safe for people to climb in the winter. She wants to sue the manufacturer of her boots for not making the sturdy enough for the climb atop the hill.

It begs the question: Do I have a personal injury case?

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