How Returning To Work after an Accident Affects Your LTD Claim

If you’ve been involved in an accident in Ontario, regardless of whether it’s a car accident or you’ve been subjected to professional malpractice, you are entitled to follow a Long Term Disability claim. One of the most common questions which the majority of victims are usually going to ask is whether or not they should return to work after a fall, motorcycle or car accident. The answer is, unfortunately, not as definitive as you would like it to be. There are two common pictures that have to be painted here. In both cases your insurer denies payment of the claim and you have to go through trial to get your compensatory money.

Claim Denied By Insurance Company

In the first scenario, after your insurer denies your claim, you decide that it’s high time you start working again. The first thing that you need to do is to consult your physician. You have to make sure that you are in proper working condition and you are capable of executing your professional obligations without this impairing or damaging you any further. This is the best case scenario. Right off the bat, you are going to be receiving 100% of your regular profits instead of the 70% eventual LTD benefit that you are entitled to. Furthermore, your claim becomes easily quantified and your lawyer could get a quicker settlement agreement on the table. The insurer might also be more inclined to go for the settlement, now that the case has gotten much more comprehensive and easy to handle. It’s the best opportunity that you’d have to leave this particularly dark chapter of your life behind and move on with your day-to-day affairs.

Unable To Work

The second scenario is a bit more interesting. We’d like to call it the failed attempt at getting back to work. While it might seem a bit grim at first, this is by far the best thing that could happen to your lawyer. He’s now capable of making the case in front of the court that you had the absolute desire to get back to work in order to start earning and providing for your family, but your medical condition doesn’t allow it because of the accident. This is going to tip the scales in your direction considerably and it’s at this point that the majority of insurers are going to bend their knees and settle for as much as you want below the estimation of the verdict. This is due to the fact that they are well aware that they are likely to lose the case in court and they don’t want to risk having to pay considerable legal fees and court taxes. That is why it is important to talk with the lawyer about the pros and cons of the claim before filing for it.

Are Medical Malpractice Claims Based on Misdiagnosis of Neck and Lumbar Pains?

Unfortunately, neck and back pain is amongst the most common reasons for which Canadians would seek medical treatment. Some of the studies show that 66% of the population experienced neck and back pain and this goes as far back as 1998. 80% of the adults experience back pain throughout their life.

The majority of the doctors aren’t really able to determine the exact cause for the pain. It’s usually self limiting which means that in the majority of cases it’s going to resolve itself. The most common treatment includes pain medication and then the patient would be sent to go home and get back if the pain gets worse. In the majority of the situations this is an appropriate approach.

However, the problem with this particular treatment is that neck or back pain could be symptomatic of other conditions and illnesses. With this in mind, if the doctor fails to take this into consideration, this could lead to potentially serious and devastating consequences.

The importance of a differential diagnosis

With this in mind, a differential diagnosis is a procedure which aims to identify any kind of serious or potentially life threatening conditions which could be ruled out or ruled in. The physician is going to go through the list and reach a final diagnosis based on the ones that are already ruled out and ruled in. There is, however, a specific process of elimination that has to be adhered to. The doctor has to create a list of all the potential injuries and conditions that could be causing these symptoms. They are all tested until the doctor comes with a final diagnosis by eliminating those who are irrelevant. The most commonly missed diagnosis when neck and back pain is involved is the CES or cauda equina syndrome. This is a potentially debilitating condition which is capable of causing paralysis when the nerve roots are compressed within the spinal cord. This is an emergency condition which requires urgent surgery in order for the doctors to prevent permanent disability.

Of course, there are other potential causes which are also frequently missed. These include fractured vertebrae, renal disease as well as some particular forms of lymphoma as well as bone cancer. With this in mind, it’s important to note that according to the CMPA the mistakes which lead to missed diagnosis can usually be traced back to the doctor’s inability to identify particular signs and relate them to the condition.

For instance, the presence of fever is symptomatic of infections. If it’s accompanied with neck and back pain this could be a sign of different spinal infections such as a spinal epidural abscess. Another thing that has to be taken into consideration is sudden or quick loss of weight. These two symptoms in combination could be indicative of a tumor or of a lymphoma. This is the main reason for which the SMPA has warned physicians to follow up on abnormal findings such as elevated white blood cell counts.

The truth is that a misdiagnosis of neck and back pain could potentially have devastating consequences. An example is given with a patient who came in with problems of the kind and got discharged with pain medication. He returned to the department two more times, reporting an increase in the pain. He also developed a fever and the numbness spread to his legs. Approximately 48 hours afterwards the patient was diagnosed with a spinal epidural abscess that became quadriplegic later on.

Protection against such medical malpractice

The first thing that you need to take into consideration is that you shouldn’t assume anything. You should make sure that the entire situation is carefully examined and that you are given the full physical as well as neurological examination. It’s going to take no more than 5 to 10 minutes and it’s going to cover your entire body. Make sure that you also pay attention to changes in your symptoms and if there is even the slightest alteration you should consider getting medical attention right away.

Understand the Aftermath of Public Transit Accidents

Bus Accident law is generally going to fall within the common carrier law because a large portion of the buses offer transportation services mainly as part of their own enterprise and business to ordinary people. The common carrier is regulated as an individual or a business which is going to be offering transportation services to people as well as items for a particular fee. The common carriers could also be private companies or public entities. The province of Ontario is being regulated by the Federal Government which sets forth provisions that steer the common carriers which transport regular passengers.

Ticket is important

Public transit accidents are usually going to involve one or more people who have been using the services of the public transit and they have dully and proven incurred damages as a result of a particular misconduct of the driver. There are, however, a few differentiated specifications in this particular regard that have to be taken into thorough consideration while filing a compensation claim with grounds of the kind. You would have to account for the fact that the majority of common carriers, inclusive of public transit services are going to bear a particularly higher duty of care because they would usually offer services in return for a fee. This means that they would have to adhere to the highest degree of care as well as vigilance in order to ensure the safety of everyone who is on board. Basically the ticket for the public transit that you buy is substantially your most stable ground for filing a compensatory claim.

Filing notice of intent

There is also a time term to be concerned with. Under the current legislation which is set forth in the province of Ontario, you have to file a notice of intent to sue within the next 10 days after the accident has happened. This is a mandatory requisite and failing to do so would deprive you of your rights to sue. However, after you’ve done this, the legislation allows additional two years to file your case after which you wouldn’t have these rights any more. The solution is incredibly fair.

Claim against Municipality

Furthermore, in the event in which the transit service provider is owned by a public entity, you have to file your claim against the municipality. If that’s the case, after filing the notice of intent, you would have to wait for another 60 days during which you wouldn’t be able to file your claim. This is done so that the authorities can conduct an extensive investigation of the matter. However, this particular solution is rather questionable as it skews the favors towards public entities because the waiting period in the situation of privately owned companies is practically non-existent. You might need to discuss the details with the personal injury lawyer in Milton to understand the clauses and other aspects of your specific case to get all the information.

Steps Of Insurance Investigation For A Personal Injury Claim

Now, even though the majority of the accidents and the personal injury claims as a result are going to be a matter of insurance, most of these would never even reach the courtroom. But it’s still important to understand that an investigation is going to be carried out. There are some things that have to be considered and even though Ontario is governed by the “no fault” rule pursuant to the Rules of Fault Determination in the Insurance Act, an investigation and assigning of fault would be carried out. However, it would be done by the insurance company. This is done so that it could be thoroughly reflected in the amounts of the monthly premiums.

Rules of Fault Determination

The process of the entire investigation is consisted of quite a few steps along the way. However, it’s important for the insurer that it’s completely factual and true in order for it to reflect properly on your insurance record and on your premiums.

The first thing that’s going to happen is that the insurer is going to open a file for your case and all of the pertaining documents are going to be collected within it. This is logical as all of the paperwork has to be handled correctly. After that the insurer is going to get the information out of the insured – his explanation of the case and the circumstances around it.

The next thing that the company is going to do is to contact the police department or the local department of motor vehicles and get the official records of the accident. They are then attached to the file as part of the documentation. Responding to the particular claims comes afterwards. Of course, this step is strongly optional as claims might not have been filed.

Afterwards the insurance company is going to try and understand everything that they are dealing with by investigating the injured parties. Of course, getting the medical records of the injured is also crucial and essential for the insurance company as it’s going to potentially determine the amount of the owed compensation. Your personal injury lawyer is going to work to ensure that you get maximum amount of compensation.

After this is through, the insurer is going to determine the particular value of the accident and of your injury and he’s going to make you a settlement offer which you aren’t obligated to accept. You can, however, accept it and file a civil lawsuit towards the “at fault” party if you feel like the compensation isn’t enough. However, you also have the claim to dispute the offer and request an adequate one from the insurer himself. In any case, you want to make sure that the entire record is factual and true as this is going to reflect on the overall offer that the insurer is going to make you.

Do Pedestrian Accidents Call For A Civil Lawsuit?

Pedestrian accidents are incredibly dangerous and they are almost always going to lead to tremendous complications. The main types of injuries which are going to occur are almost always going to be of orthopedic nature because of the essence of the accident itself. However, there are quite a few things to be considered when handling the compensation for this type of accidents. It’s worth noting that a civil lawsuit is optional but not mandatory and in the majority of cases the entire situation is going to be resolved in an out-of-the-court settlement. However, your personal injury lawyer in Kitchener can try to ensure that you get the compensation amount that covers your medical treatment and other requirements.

If we dig a little deeper in this particular settlement, we are going to find out that this is a legally binding solution which has the same enforceable power as the ruling of the court of the civil lawsuit. The enforce ability of a document means that it could be imposed onto to the liable party in the events in which he has followed through his legal obligations while the other party has failed to deliver. This is when the document becomes enforceable unless there are some other conditions included within it. Up until this moment, depending on the additional conditions, of course, the obligation under the document can’t be forced onto the one who’s responsible for it. However, when this event occurs, a public or private enforcer could start pursuing him with formal legal actions in order to deliver the necessary result.

Seeking settlement

This is, however, just one part of the overall reason for which the majority of injured people in pedestrian accidents prefer to go for a settlement. The truth is that a civil lawsuit is going to take time and the outcome can never be certain. This is due to the fact that the judge has the final word and if you fail to prove all of the circumstances and the opposite party has solid defense, you might fail in getting the protection that you are entitled to. Going to trial is always risky and that’s why the majority of personal injury attorneys are likely to advise you to settle, especially if you have solid grounds and the upper hand in the negotiations.

Expensive trials

Furthermore, it’s also worth noting that a civil lawsuit is going to be incredibly expensive. While you would likely have to pay the attorney his fee, it’s going to be reduced because a settlement requires less work. Apart from that, you would also save yourself the expenses which are due to the court. Filing a claim is going to require you to pay a significant amount of court taxes and even though you are going to get them back when you win, funding the entire thing could be quite challenging. You can discuss the details with the injury lawyer in Kitchener and get the facts straight.

Are Orthopedic Injuries Qualified For Compensation Under Tort Laws?

Orthopedic injuries are a basis of personal injury law. The truth is that, unlike criminal law which aims to seek criminal prosecution and punishment of the one who committed the crime, personal injury law’s aim is to reimburse the victim in full. This is the core difference between both practice areas and it’s one that has to be considered thoroughly as it poses fundamental differentiations.

Strong reason to file a case

However, when it comes to orthopedic injuries, it’s important to point out that this is the cornerstone of personal injury law. They are at the bottom of every single accident and, even though some would claim that pain and suffering could be the basis of a personal injury claim – it would be associated with an orthopedic injury. With this in mind, it’s also worth noting that there are quite a few different types as an orthopedic injury would stand for a broken bone, ripped tendon and everything in between – the area is quite extensive but it’s more of a medical conversation.

In any case, the orthopedic injuries are viewed differently from the various types of personal injury areas. For instance, an orthopedic injury in a dog bite claim would be governed by the Dog Owner’s Liability Act. This means that all of the responsibility deriving from the infliction of said injury would derive from this particular piece of legislation.

Apart from that, we have orthopedic injuries which are resulting from car accidents, which are likely to be the most common type of accidents that are concerning personal injury law. This is solely because of the fact that they are so many of them happening on a per annum basis.

Now, it’s also worth mentioning that pain and suffering is a different type of claim and even though it’s always accompanied by a claim for orthopedic injuries, sometimes it might not derive from them. For instance, a car accident could leave you unharmed in any way but you may have experienced severe stress which could have caused emotional trauma which is also subjected to compensation on behalf of the person who’s at fault.

Insurance covers expenses

Of course, the majority of the expenses which are associated with orthopedic injuries would be covered by the insurance company. However, the possibility for a civil lawsuit is always there and you could sue the other party if you believe that your damages exceed the amount that has been forwarded by the insurance company. However, you need to know that the court procedure is expensive, time-consuming and would require a lot of effort. Furthermore, you need to know that it’s not a done deal and the case could always go the other way around if you don’t manage to prove your point.

If you are suffering with chronic pain or other effects of orthopedic injuries, it is time to seek an experienced personal injury lawyer in Ontario that can help you get justice.

Is Insurance Act Of Ontario Applicable In Car Accidents?

Like it or not car accidents happen on a daily basis. Even though the legislation of Ontario which provides the vehicular regulations is pretty stringent and strict, the truth is that car accidents are quite the common occurrence. Some might argue that this is due to the lack of control while others are going to blame the drivers themselves but it’s important to pay attention on the aftermath of this terrible event one that it has already happened. The loss of the one you love or a family member is without a doubt going to be incredibly devastating. However, the truth is that you need to look past your sorrow and understand that the chances are that the accident has happened because of someone’s incompetence. This is why the legislation poses strict provisions which take care of the consequences of a car crash – both physical and emotional.

A regular car accident case

The most common scenario would be for the insurance company to cover the damages but there are certain situations under which this wouldn’t be applicable. There are some scenarios which are dully laid out in the Insurance Act of Ontario under which the driver is going to be responsible for the damages and the insurance company wouldn’t cover them. The most common trial case which involves a car accident would be consisted of two parties – the claimant and the defendant and it’s commonly going to be a civil lawsuit unless there are criminal charges pressed against the one who’s responsible. While this is an unlikely scenario, it’s not completely excluded for the claimant to demand pressing of criminal charges under which circumstances the trial would be led by a prosecutor.

Claiming damages for pain and suffering and physical damages

Now, the majority of the physical damages such as medical bills and other of the kind would likely be covered by the insurance company as they are in almost all insurance contracts. However, when it comes to dealing with damages for pain and suffering or emotional trauma, the situation changes dramatically. The majority of the cases involving claims of the kind are going to be for a significant amount of money and the insurance is most certainly not going to cover them.

Furthermore, they are of entirely different essence than what the regular insurance companies would provide coverage for. However, you have to understand that getting the court to rule a decision which provides the claimant with significant compensation for his pain and suffering is not easy and it requires thorough preparation and a lot of convincing. You need to have perfect grounds for your case and you need to convince the judge that the suffering is indeed real. Your personal injury lawyer will be able to draft a strong case and ensure all bases are covered irrespective of whether the case is mediated out of court or it goes on trial.

Know More about Rules of Fault Determination

Personal injury is without a doubt, one of the busiest fields in the entire legal department. The reasons are rather obvious – accidents involving orthopedic and light injuries as well as common pedestrian, slip and fall and other forms of accidental occurrences happen every day and that’s the field which regulates them thoroughly. However it’s safe to say that the province of Ontario is amongst the leaders in numbers of vehicular accidents and it’s worth outlining the parties who are going to be taking part in an eventual trial procedure.

Regulating Act of Insurance

It’s worth noting that the province of Ontario is regulated by the Insurance Act of Ontario which contains rules of fault determination. There is one particular clause in those rules which is commonly referred to as the “No Fault” rule which renders the insurance company to pay off monetary compensation regardless of the assigned fault. This is why the majority of car accidents are never going to reach the courtroom. However, when there is excessive liability which isn’t covered by the insurance policy, the victim is fully entitled to compensation.

The victim is going to comprise the charging party which is referred to as a claimant or a plaintiff. The civil lawsuit is initiated with his claim. He has to stipulate the argument and the way in which his rights were affected as well as the compensation that he seeks from the court. This is the first stage of the trial which would involve an opposite party. A reporting judge is going to check the filing and decide whether or not it’s admissible. If it is, the injury lawyer of Kitchener is going to forward a copy for the defendant and he would be provided with one month to respond. The case is going to be moved forward afterwards regardless of whether or not he provides the court with an answer.

Role of defendant

The opposite party is called a respondent and he is generally the one who is being sued for the compensation. In the majority of cases he is the liable party but this is to determined by the court with the final ruling. In the civil lawsuit there is no sentence as there aren’t any criminal charges. This procedure does not seek punishment of the respondent but it seeks to compensate the injured party and restoring the actual balance in their relationship.

The civil lawsuit has stringent procedural provisions which have to be met thoroughly and that’s why the presence of an attorney is incredibly advisable. It’s just too much for an ordinary person to handle on his own even though it’s not impossible. However, it’s safe to say that this might lead to incompetent defense or claiming. Thus, it is best to consult a lawyer and hire them for providing you with the best information about the legal jargon and technicalities of the case. They will be able to protect your rights.

What Is the“No Fault” Rule In Automobile Accidents?

Like it or not, accidents happen. Unfortunately, when it comes to car accidents the results are most commonly incredibly severe. The truth is that they often tend to end in grave mutilations, serious orthopedic injuries and in some cases, even in death. However, this is why the regulations which govern this particular field of the law are so stringent and they offer little to no room for maneuvering on behalf of those involved in the accident. In any case, the province of Ontario is without a doubt one of the leaders in car accidents in Canada and the reasons for this remain unknown. Following the legislation in situations of the kind is crucial for the proper development of the events.

The “No fault” insurance policy means that the insurance company is always going to have to pay your benefits under the policy that you’ve agreed upon regardless of whether you are the driver who was responsible for the accident in the first place. While the lawful regulations which govern car accidents might be incredibly stringent, this particular provision could be considered rather lenient as it liberates the driver partially from the responsibility that he has to carry as a result of his action. However, on the other hand, he is dully paying for this insurance as he is obligated to do so by state laws.

There is one differentiation that has to be made in this particular event. The “no fault” automobile insurance system in the province of Ontario is only going to apply to bodily injuries and it’s not going to cover any kinds of property damage and if such had occurred you are going to have to pay them yourself.

However, the “no fault” system poses a lot of different benefits for both the injured and the one who caused the accident. The latter could direct his claim straight towards the insurance company and he’s going to know that if something happens he would have a claim towards a prosperous debtor who’s going to have money to pay him off. This is not always the case if you have directed your claims towards a regular person because the latter might not have sufficient funds to pay off the damages.

Now, it’s also worth noting that this doesn’t necessarily mean that fault isn’t assigned at all. The insurance company is going to conduct their own research in order to determine which one of the vehicles involved in the car accident was at fault. This is going to have a deep impact on your down-payments for your insurance as you have officially become a risk driver in the eyes of the insurance company and you’d have to provide a better insurance. However, it is essential to have an experienced lawyer in Toronto in your corner so that the insurance company’s legal team cannot lowball you.

Are there Alternatives to Suing in Court?

There are two well-known alternatives to starting a lawsuit when two parties want to settle a disagreement or other sorts of legal arguments: arbitration and mediation. The procedures are completely different but they are combined by the same idea – avoiding trial. Of course, you can, and as a matter of fact, it’s highly advisable that you hire an attorney to represent you and to protect your legal rights, especially if the opposite party has already done so in advance.

Mediation

This is the procedure under which both parties have the same goal and they are looking forward to achieving it – they want to reach an agreement. This means that there isn’t going to be any kind of outside ruling and that the agreement is going to be reached through negotiations and mutual compromises. Mediation is the dull process in which an outside mediator is going to try and facilitate the discussion without having a say in the final decision. All of the agreements and conclusions which are reached are going to originate from the arguing parties in the first place. Mediation is a procedure which is incredibly beneficial and it might turn out to be amongst the best options if both parties are willing to negotiate a way out of the argument. However only a personal injury lawyer in Kitchener can do it.

It’s worth noting that this is the far less expensive procedure as opposed to traditional litigation because there are no legal fees and you are only going to have to pay the outside and independent mediator for his services of facilitating the entire process.

Understanding the terms under arbitration

Arbitration, on the other hand, is the process where both parties are going to come to an agreement with arbitration. There is an arbitrator involved who is going to be making the final decision. This is much like the judge’s ruling as an outside party is going to be settling the case. In fact, the similarities are far too many so it’s worth pointing out that arbitration is a lot less expensive and much faster than the regular trial procedure.

This is the main reason for which a lot of agreements are going to include the arbitration clause – the parties are obligated under the agreement to seek to resolve the argument through arbitration instead of taking the case to court.

There is a lot of merit to both solutions but it is worth finding out which one would work better in the particular situation. If the parties aren’t inclined to reaching a mutually beneficial agreement they should certainly overlook mediation and go straight for arbitration. Of course, if they are willing to compromise and want to reach the final decision on their own, without relying and depending on a third party – the solution would be mediation.

However, it is essential that if you intend to opt for mediation or arbitration before filing a case, consult a personal injury lawyer in Toronto.