DR Injury & Disability Law Blog

Can insurance companies spy on you after an accident in Ontario? Learn how private investigator surveillance works in personal injury and long-term disability claims, including the legal limits under Ontario law and PIPEDA.

Your LTD claim was denied. That doesn’t mean it was denied properly. Insurance companies deny valid claims every day, often by relying on technicalities, incomplete information, or internal opinions that do not reflect the full picture. With the right strategy and evidence, many of these decisions can be challenged and overturned. Below are some common reasons we see for LTD claim denials: Delay in Applying for Benefits Many valid claims are denied simply because they were su

Collisions involving wildlife, particularly deer, are more common than many people realize across Ontario. These accidents can be sudden, frightening, and often result in serious injuries. A question we’ve been asked is: “Do I have a claim if I hit a deer?” The answer is important and often misunderstood. You Still Have a Claim: Accident Benefits Even if no one is at fault, you are entitled to compensation through Accident Benefits . Ontario operates under a no-fault insuranc

If you’ve been injured due to a dangerous sidewalk, road condition, or other municipal issue, you must act quickly . Claims against municipalities in Ontario are subject to strict notice requirements and missing them can jeopardize your case. The 10-Day Notice Requirement Under Ontario law, you are generally required to provide written notice to the municipality within 10 days of your injury . Section 44(10) of the Municipal Act, 2001 provides that: Written notice of your c

A slip and fall can happen in an instant—but what you do immediately afterward can significantly impact your ability to recover compensation. The key is simple: document everything, thoroughly and promptly. Preserve the Scene Take photographs or video immediately—before conditions change. Capture the hazard from multiple angles, including the surrounding area and any absence of warning signage. This is often the most powerful evidence in your case. Secure Independent Witnesse

If you’ve been injured in a car accident in Ontario, you may be entitled to pursue two separate claims: an Accident Benefits claim and a Tort claim. An Accident Benefits claim (also known as the Statutory Accident Benefits Schedule, or SABS ) is made through your own insurance company, regardless of who caused the accident. Ontario operates under a no-fault insurance system, meaning you may access certain benefits even if you were responsible for the collision. Common Acciden