Resources

A Cell Phone Ticket Will Destroy Your Car Insurance Rating

Please note as of January 1, 2019, a cell phone ticket in Ontario will carry a 3-day license suspension and a $1000.00 Fine.

What does this have to do with your insurance?

Well if you receive this conviction it will be seen as a Major Conviction (minimum surcharge of $350.00) plus a ratable license suspension (minimum surcharge of $150.00) and a guaranteed non-renewal/cancellation of your auto policy. The reason for this is that insurance companies do not want to insure drivers who text and drive as they are at a higher risk of a fatal accident.

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Have You Been Fully Compensated by Your Insurance Company for Diminished Value After a Collision?

This article was written by Ron Folkes, LL.B., Personal Injury Lawyer with Folkes Legal Professional Corporation, a Brampton Ontario Personal Injury Law Firm and D. Dean Renwick, President & CEO of the Professional Association of Vehicle Evaluators, Inc.

Motorists find that if their vehicle is damaged in a collision, even when properly repaired, its value is diminished, or worth less than that of an identical vehicle which has not been damaged. This is due to the “stigma” attached for a damaged vehicle.

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The Importance of Having Adequate Car Insurance Coverage for Accident Benefits

This article is taken from an interview with Ron Folkes, LL.B., Personal Injury Lawyer with Folkes Legal Professional Corporation, a Brampton Ontario Personal Injury Law Firm.

When people buy or renew their car insurance, the standard rate in Ontario for income replacement benefits is a maximum of $400 per week calculated at 70 percent of their gross pay before the injury. For most consumers this is inadequate. These payments are tax free.

If a person’s gross pay is higher than $600.00 per week,

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Dimensions of Pain in a Personal Injury Practice

For more than 41 years, all of our personal injury clients have had one thing in common.  When they come to us, they suffer pain. The degree or intensity of pain, and its duration, form very important elements in calculating the compensation or damages, which our injured clients receive. The compensation may be from a court, or from a defence insurance company, if the case is settled through negotiation, or with the assistance of a third party mediator.

When clients come to us with very severe injuries,

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