Legal insights and practical advice for Ontarians.
A pick-up truck crashed into Wilfred Poisson's home at 4:30 a.m. while he slept upstairs. His insurer said that was not a car accident. The Licence Appeal Tribunal disagreed, and the decision matters even if you were nowhere near a car.
Read more →As of July 1, 2026, income replacement, caregiver, death and funeral, and most other Ontario accident benefits only apply if you bought them as optional coverage. Here is what changed, who is left exposed, and what to check on your policy before you need it.
Read more →Some Ontario slip and fall claims require written notice within 10 days, others within 60. Here is who needs notice, what the letter must say, and how to send it so your claim survives.
Read more →Ontario's general rule gives you two years from a car accident to start a lawsuit. Missing it is serious, but discoverability and exceptions for children and incapacity can keep a claim alive. Here is how the deadline really works.
Read more →Yes, you may be able to sue. But slip and fall claims involving snow or ice come with some of the shortest deadlines in Ontario law: 10 days for municipal property, 60 days for snow and ice on private property. Here is what you need to know, in plain language.
Read more →You generally have two years from the date of the accident to start a lawsuit. But several much shorter deadlines arrive first, some within days of the crash. Missing them can cost you benefits and weaken your claim. Here is the full timeline, in plain language.
Read more →A long-term disability denial is the start of a contest between you and your insurer, on a timeline the insurer hopes you will not notice. Here is what actually happens after a denial in Ontario, why the internal appeal is rarely the right tool to use alone, and the two-year deadline that decides everything.
Read more →Your long-term disability insurer has scheduled you for an independent medical examination with a doctor you have never met. Here is what an IME really is, what to expect on the day, and how to keep an unfavourable report from sinking your claim.
Read more →A class action is one of the few tools the Canadian legal system gives ordinary people to push back against large companies. The mechanics, however, are widely misunderstood. Here is how a Canadian class action actually moves from filing to money in class members' pockets.
Read more →If your long-term disability benefits were suddenly stopped around the two-year mark, you are not imagining things. This is one of the most common, and most predictable, moments at which Ontario insurers terminate a claim.
Read more →