Author name: Monique Meloche

If you or someone in your family drives in Ontario, mark July 1, 2026 in your calendar.  Why?  Because the way your car insurance pays for accident benefits is changing significantly. Many benefits that are currently automatic may no longer be included.  Instead, Ontario is moving to a pick-and-pay model, giving you more control to […]

In any personal injury claim, the foundation of the case includes detailed medical records of injuries, treatment and the overall impact of the incident on the injured person’s life. Records provide a factual account of injuries and rehabilitation following an accident, help establish causation (i.e. that the incident caused or contributed to the injuries) and

If you have been injured in a slip and fall incident on ice and snow that was caused by someone’s else’s failure to clear ice and snow, you only have 60 days from the date of the incident to notify the people or companies who are responsible that you may have a claim. How /

It’s the time of year when families are shopping for back-to-school supplies and thinking about bus schedules, packed lunches and after-school activities. But it is also an important time for everyone in the community to consider safety with increased pedestrian and vehicular traffic, especially in school zones. In Canada, child pedestrian injuries are a leading

When you have been injured in a car accident, the challenges can be overwhelming.  While you are dealing with your physical injuries and emotional impact, you also have to manage car repair issues, insurance paperwork, medical appointments and rehabilitation and missed time from work. And there is another hurdle – the “deductible” for pain and

Autumn is a great time for getting the motorcycle out for a road trip. However, because of the vulnerability of being in an open and unprotected vehicle, there is risk of serious injury in a collision. Injuries can include spinal and muscle damage, road rash, traumatic brain injury and even death. A study in 2017 reported

Let it snow, let is snow, let is snow……What am I obliged to do, as a homeowner, for snow and ice? In Ontario, homeowners have a a duty to keep their property reasonably safe for others. Section 3 of the Occupiers’ Liability Act (Ontario) reads: “3. (1) An occupier of premises owes a duty to take such care as

It’s every snowbird’s nightmare. Elderly Mr. X from Ontario bought travel insurance through Manulife before departing for Florida for a winter stay. He answers questions via telephone with Manulife. He answered “no” to questions about prior conditions and treatment, seemingly without giving it enough careful consideration. Manulife emailed him a copy of the completed application

The days are getting longer and spring is on the way.  But springtime comes with safety challenges and risk of personal injury.  Part 2 of our Springtime Safety Series focuses on dog attacks and bites. As the weather improves in spring, more people like to take their dogs outdoors.  And while we picture happy dogs

SPRINGTIME SAFETY SERIES, PART 1: Motorcycles The days are getting longer and spring is on the way.  But springtime comes with safety challenges and risk of personal injury.  Part 1 of our Springtime Safety Series focuses on motorcycle accidents. Springtime is a great time for getting out the motorcycle for a road trip.  However, because