Frequently Asked Questions
Personal Injuries | Long Term Disability | Brain Injuries | Wrongful Death
Personal Injury FAQ
Do I need a lawyer, or can I settle my personal injury case on my own?
If you're unsure whether you need a lawyer or think you can handle your case on your own, we invite you to contact us for a free initial case review. We only take on cases where we are confident we can add value, and we will never pressure you to hire us if we believe you can manage without our assistance.
The severity of your injuries is a major factor in deciding whether you need a personal injury attorney. If your injuries are minor, your case may not be worth more than a few thousand dollars, and you might be able to handle it on your own.
What do I need to do if I was injured in a Car Accident?
If you were injured in a car accident and you have sustained injuries, the first thing you need to do (after seeking medical attention) is complete your application for accident benefits. Accident benefits provide you no-fault coverage for medical and rehabilitation costs and a weekly indemnity benefit if you are unable to go to work, or have a complete inability to engage in normal life.
You must notify your insurance company within 7 days of the collision, or as soon as reasonably possible. Once you have received the initial application, it must be submitted within 30 days.
Whose insurance company pays accident benefits?
Typical lawyer answer—it depends. If you have a policy of car insurance, you go through your own insurance. If you do not have your own policy or are not named as insured on any policy, the initial OCF 1 Form will help you determine which insurance company should receive your application.
How long do I have to file a claim against the driver that hit me?
You have two years from the date of the collision to bring an action against the at-fault driver. However an accident benefits claim must be commenced before you are eligible to proceed with a lawsuit against and an at-fault driver.
Will hiring a lawyer be expensive?
I work on a contingency fee basis, meaning we only get paid if you win your case. This arrangement can make legal representation more accessible, as you won't need to pay upfront legal fees. Always discuss fee arrangements with your lawyer during the initial consultation.
Long-Term Disability FAQ
Why was my long-term disability claim denied?
Your LTD claim may have been denied for several reasons, such as insufficient medical evidence, missed deadlines, or the insurer's mistaken belief that you can perform some type of work. I can help you understand the specific reasons for your denial by reviewing your denial letter and advising you on the best steps forward.
What should I do if my LTD claim is denied?
If your LTD claim is denied, it's crucial to act promptly. Start by reading the denial letter thoroughly. Then, gather all necessary documentation, including medical records and any additional evidence that supports your claim.
How long do I have to appeal a denied LTD claim?
The timeframe to appeal a denied LTD claim varies. Typically, you have 60 days, but this can change depending on your insurance policy and jurisdiction. I can help ensure that all deadlines are met and that your appeal is filed correctly and on time. If you have exhausted your appeal rights, you typically have 2 years from the date of the first denial to issue a claim starting the lawsuit, depending on your location.
What evidence is needed to appeal a denied LTD claim?
To appeal a denied LTD claim, comprehensive medical evidence is essential. This includes detailed reports from your healthcare providers, test results, and other documentation supporting your inability to work. I can assist you in gathering and organizing this evidence, as well as providing additional supportive statements.
Can I handle the appeal on my own, or should I hire a lawyer?
While it's possible to handle the appeal on your own, hiring a lawyer like myself who specializes in LTD claims can greatly increase your chances of success. I can navigate the complex appeals process, gather necessary evidence, and advocate on your behalf to ensure your rights are protected.
What are my chances of winning an appeal?
The success of an appeal depends on many factors, including the strength of your medical evidence and the specifics of your case. Sometimes it is necessary to take the next step, which is commencing a lawsuit against your insurer for payment of benefits.
How long does the appeal process take?
The duration of the appeal process can vary, typically ranging from a few months to over a year. I can provide you with a more accurate timeline based on your individual circumstances and keep you informed throughout the process.
What if my appeal is denied?
If your appeal is denied, you still have options. You may be able to file a lawsuit against the insurance company. I can help you evaluate the strength of your case and determine the best course of action moving forward. Together, we will explore all available options to pursue the benefits you deserve.
Will hiring a lawyer be expensive?
Many personal injury lawyers, including myself, work on a contingency fee basis. This means you only pay legal fees if we win your case. This arrangement makes legal representation accessible, as there are no upfront costs. I am committed to helping you without adding financial stress.
How can I prevent my LTD claim from being denied in the first place?
To prevent your LTD claim from being denied, ensure you provide thorough and accurate medical documentation, meet all deadlines, and follow your insurance policy's requirements closely. I can offer guidance and support from the outset, helping you avoid common pitfalls and strengthening your application.
Here Are Some
Helpful Guides For Injuries In Ontario
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Guelph's Trusted Personal Injury Lawyer
If you've been hurt in an accident in Ontario, it pays to have Catherine in your corner. With her compassionate approach she'll take the time to understand your situation so that she can then fight to protect your future.
When booking your consultation, you can rest easy knowing that:
- There is no obligation if you take a consultation. This is simply your chance to share your story with Catherine and decide if she's the right lawyer to represent you.
- Everything you share is completely confidential.
- You pay nothing out of pocket. If you decide to work with Catherine, her fees are covered as a percentage of the verdict or settlement. She only gets paid when you win!
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