Products & Services
- A policyholder received a highway traffic ticket but needs advice on whether to pay the fine or contest the ticket.
- An insured wants to know the recent changes that have taken place with Ontario Auto Reform. In particular, he wants to know the benefits he can receive pursuant to the No-fault benefits scheme.
- Can a police officer search my car trunk when I am being pulled over for speeding?
1. Legal defence
- A policyholder took a left turn in a spot where such a turn was illegal, and was charged by the police. On second look there was a sign posting at the intersection, however it was masked with snow and the policyholder did not have the ability to see the time restrictions for turning. She was able to take a picture of the sign with her phone to present to the court.
- A young driver acted as a ‘designated driver’ and drove his friend who had been drinking home from a party. He was pulled over and charged with having a passenger at night when he still had a graduated license.
2. Loss valuation disputes with auto insurer
- A policyholder’s insurer in valuing his vehicle that is a total loss has only considered
the age and mileage of the car (book value) but not the new engine that had just been installed.
3. Obtaining accident benefits
- An insured was involved in an accident and her injuries are continuing but her accident benefits insurer refuses to pay the insured benefits.
- A policyholder’s doctor has prescribed massage therapy to help with an injury sustained in a motor vehicle accident.
- The policyholder has no money to pay for it himself and his insurance company refuses to authorize treatment. The policyholder doesn’t understand all the documents she has to file to get accident benefit coverage and needs help completing them. .
4. Drivers licence protection
- The Ministry has sent an insured a letter advising that her driver’s licence may be suspended because of the demerit points accumulated over the last two years.
- A policyholder’s license is suspended and he needs to drive to perform his employment duties.
5. Contract disputes
- A policyholder discovered the used car she recently purchased was involved in a prior accident that the dealer did not inform her of.
- An insured took his car to the garage to get his brakes repaired. After about he noticed that the initial problem seemed to have worsened, with a new problem apparent that hadn’t existed before the repair. The insured took it back to the garage, who said they couldn’t do anything about it.
- A policyholder leases a vehicle and at the end of the term returns the car to the dealership who is now charging her for damage that they claim extends beyond normal wear and tear.