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Why You Should Never Accept the First Offer by Insurance Company

After a motor vehicle accident, you will find yourself immersed in the world of Insurance Company. As our mandatory insurer, Insurance Company is a fixture in our lives and whether we like it or not, it is a fact of life after a car collision. Over the years, Insurance Company has become beleaguered by fraudulent claims and financial problems and has scaled back on settlement payments as a result. Unfortunately, under this scenario, personal injury lawyers have seen that even the most honest and documented claims can be denied or short-changed due to Insurance Company’s need to keep the financial reins tight.

Your Best Interests

For most people, an Insurance Company claim is the last thing on their priority list after an injury due to an accident. The claims process can be complex and Insurance Company is covering everyone involved in your accident so your best interest is not necessarily their priority. In fact, settling for the smallest amount possible is what most adjusters strive to do.

Their Financial Priorities

Although you want to believe that Insurance Company is protecting your interests after an accident, their own financial interests usually take priority. Because of this, you can expect that the first settlement offer will be as low as possible. They fully expect you to negotiate, so they start low in the anticipation that they will need to come back with a larger settlement in the future.

Only a Partial Picture

The adjusters with Insurance Company do rudimentary investigations of the accident and base their settlements on that limited information. The value of your claim is only worth the information that they have discovered and may only be partially correct. They may not have a full disclosure of your medical interventions or any pain and suffering you have endured due to the accident, Because of this, in many cases, they only have a partial picture of what your claim is really worth.

Healing Takes Time

After an accident, your recovery will take time. There is no way to know the financial implications of your healing right away and it may take a matter of month before you do. Yet you will most probably receive a settlement offer within a few weeks of your accident. Once you accept that offer, it closes the door to any future compensation which can be devastating if you develop additional symptoms down the road.

Get Legal Advice

Before you deal with Insurance Company on your own, it may be in your best interest to understand your full legal rights. Never accept a settlement until you speak to a Port Moody personal injury lawyer. In most cases, they will offer you a complimentary consultation to discuss your claim. Know your rights before you settle with Insurance Company. Call the professionals Personal Injury Lawyer to see how you can benefit from having a legal expert in your corner after an accident.

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When Does a Fall Become a “Slip and Fall” Personal Injury Claim?

If you fall on private or public property, you are not automatically entitled to compensation for your injuries. In slip and fall claims, there is always a matter of negligence that must be proven. Slip and fall claims can be complex. That is why it is important to retain the skills of a personal injury lawyer in Ontarioif you have been injured in a fall on someone else’s property.

Here in BC, a slip and fall or premises liability claim covers many different types of accidents. For instance, snow and ice, uneven walking surfaces, or even construction debris can create a slip and fall accident. These can happen on private, public, or municipals properties. But the burden of proof of negligence becomes the most important aspect of a successful slip and fall claim.

The owner or “occupier” of a property has the duty to provide a safe place for those who use the property. If you have fallen and were injured as the result of a negligent act on the part of the owner or occupier, you may have the right to pursue a personal injury claim. It then becomes your responsibility to determine who the owner or occupier is, to prove injuries, and to establish that there was negligence involved.

Proving Negligence

Determining negligence means proving that the occupier failed to meet the standard of care set out by the Occupiers Liability Act. The occupier must not “create a danger with intent to do harm” or “act with reckless disregard to the safety” of people who use the property. This can apply to any conditions on the property, any activities, or even the conduct of third parties.

There are certain guidelines and factors used to assess the actions of the occupier in order to establish negligence. How long had the hazard existed? Was there a good reason that it still existed? Could there have been ample warning signs to improve safety? Were there regular checks or inspections of the property?

Proving Injury

The next responsibility of an accident victim is to prove that there was an injury and it was directly caused by the hazard. Your injuries can include anything from bruises and lacerations to fractures, brain injuries, or internal injuries. These are especially problematic for the more vulnerable populations of the elderly or disabled.

Evidence of injuries and the cause are derived from medical records and photographs and witness accounts. Therefore, after a fall, it is important to get immediate medical attention and take photos. If at all possible, get information from anyone who has witnessed the accident. Personal injury lawyers in Toronto will also often retain surveillance footage and witness statements in order to represent their clients.

If you have been involved in a slip and fall accident, contact the legal professionals at Injury Lawyer for a no-cost consultation.

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The Importance of Getting a Medical Assessment After an Accident

When you have been involved in any type of accident, getting immediate medical treatment is essential to your physical wellbeing, but may also be critical to your financial wellbeing in the case of a personal injury claim. Ontario personal injury lawyers agree that seeking medical attention after an accident, even if you are not sure of any injuries, is the most important thing you can do after being involved in an accident.

You May Not Be Aware of an Injury

After an accident, you may not be aware of injuries that have been sustained. When it comes to some injuries, symptoms may not surface for days or even weeks after the accident. In some cases, doctors are able to determine injuries before they are even symptomatic. If you have been injured, your attending physician will be able to make assessments, document any injuries, and make the correct referrals to any specialists you may need in your recovery. It is important for you to see your doctor regularly and follow any medical advice you have been given.

Medical Interventions Can be Costly

Your medical recovery after an accident can often be expensive, particularly if your injuries keep you from working. If you only have basic coverage and don’t have extended health benefits, your ICBC benefits may not be enough to cover the costs incurred by your injuries. In many cases, an ICBC settlement is insufficient to pay all the costs of recovery after an accident. Many accident victims find themselves in this position after suffering accident injuries.

You May Be Able to Pursue a Tort Claim

If you were injured due to the negligence of another, you may be entitled to pursue a tort claim and collect compensation for your injuries from the at-fault party. A Ontario personal injury lawyer will be able to assess your claim and guide you through the process. In most cases, injury lawyers work with medical specialists that can make professional determinations and recommendations about your injuries and recovery.

Understand Your Rights

After an accident, the most beneficial thing you can do for yourself is to understand your legal rights. When you consult with a personal injury lawyer after your accident, you will understand that you may have options that you were not aware of. Having the assistance of legal counsel after an accident can alleviate even the most mundane of inconveniences such as dealing with ICBC and filing forms.

If you have been injured as the result of an accident, call the legal team at Personal Injury Lawyer to understand your legal rights. We have recovered millions of dollars in compensation for our clients throughout our careers.

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Take Care When Dealing With Insurance Company

Each year, over 50,000 injuries occur as the result of careless or negligent drivers. When you have suffered an injury due to this carelessness, you need to be aware of your rights. Injury lawyers in Ontario recognize the shortcomings of Insurance Company when it comes to getting the compensation that their clients need in order to heal and get on with their lives.

Over the years, Insurance Company has been plagued by financial woes and fraudulent claims. Their adjusters are chronically overworked and understaffed with limited ability to fully investigate and get the entire picture of an injury victim’s prognosis and needs.

A History of Not Working in Victims’ Favour

Insurance Company has a history of denying and undercutting valid claims in the hopes of keeping a financial tight rein. Even so, they are chronically saddled with their own financial interests over the interests of accident victims. When it comes to settling claims after an accident, they will systematically offer less than the claim is worth hoping that the victim will be glad for their meager settlement. If it comes down to a negotiation, Insurance Company has saved enough on these meager settlements to still be ahead even when they are forced to negotiate.

Make Sure Your Rights are Being Protected

The more you understand about Insurance Company and their claims process, the more you can work in your own best interest. Having the legal advice of a Toronto personal injury lawyer is the best way to be assured that your legal rights are being protected,

The Insurance Company is Not on Your Side

Always keep in mind that Insurance Company will look for any reason to minimize your claim. Even though the Motor Vehicle Act only requires a police report if there is an injury or the vehicle damage exceeds $1,000, there are many times an injury does not manifest immediately. It is in your best interest to have a police report and witness statements to ensure that if you did sustain an injury, you have the needed documentation. A police report will also assess potential fault at the scene instead of relying on the adjuster to ascertain fault days and weeks after the accident took place.

Always Seek Medical Assessment

You should always seek medical attention after an accident. This is also important if an injury surfaces and potentially becomes worse over time. Insurance Company sees a lack of medical attention after an accident as an indication that there was no injury. But injuries are not always immediately obvious and can become symptomatic hours and days after the accident.

Have a Lawyer Work on Your Behalf

When you are contacted by an Insurance Company adjuster, always be aware that they are looking to minimize any potential claim. You are not legally required to meet with the adjuster and you have a right to professional legal counsel. If you are represented by an injury lawyer, your lawyer will negotiate your claim with the Insurance Company and avoid the risk of them using information against you.

After being involved in an accident, you don’t need the additional stress of dealing with Insurance Company. Call the legal professionals Personal Injury Lawyer. We have represented accident victims in Toronto for decades and have recovered millions of dollars in compensation on their behalf.

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How to Find the Right Personal Injury Lawyer After an Accident

If you have been involved in an accident and have sustained injuries due to someone else’s negligence, you may be thinking about pursuing a personal injury claim. If you are looking for a personal injury lawyer in Ontario, how do you know which lawyer is the right one for you? Here are some tips to make sure you are choosing the right lawyer for your claim.

Only Choose a Lawyer Who Practices Personal Injury Exclusively

Personal injury law is complex with very specialized laws. Many lawyers who practice in multiple fields may not provide you with the same quality of representation that a dedicated personal injury lawyer can.

Only Choose a Lawyer Who Will Take Your Case to Court

Unfortunately, many lawyers who take personal injury claims have never been inside a courtroom. Instead, they rely on negotiating a settlement and leave it at that. Unfortunately, although most claims never make it to court, it is not always possible to negotiate a sufficient settlement for your damages. That is when you need a lawyer who is aggressive and willing to take your case to court. Insurers know which lawyers are willing to take a case beyond negotiation and which aren’t and this can affect your claim. Only hire a lawyer with a history of high settlements in a court of law.

Only Choose a Lawyer Who Can Afford to Take Your Case

Most personal injury lawyers work on contingency fees and don’t get paid until you are awarded compensation. This means they will have to incur the costs of representing you until they get paid. A serious personal injury case can cost a substantial amount of money to prepare properly. Your lawyer should have the resources available to be able to do the best job possible to prepare and represent you properly.

Only Choose a Lawyer Who Lets You Speak to Past Clients

Just as in the case of hiring any other business, you want to see what others’ experience with the lawyer have been. If a lawyer is uncomfortable letting you speak to past clients, there may be a reason for it.

Only Hire a Legal Professional

A lawyer who is a member of local and provincial organizations and who lectures on the subjects of personal injury is a known professional in the field. If the lawyer has never written articles or given presentations on his or her field, this may indicate a lack of experience. Serious professionals will know others who they can collaborate with in order to do the best job for their clients.

When you have been injured in an accident, you want the most skilled personal injury lawyers in Toronto to represent your rights to fair compensation. At Personal Injury Lawyer, we have recovered millions of dollars in compensation for our clients. Call us for a free consultation.

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9 Important Steps to Take After a Motor Vehicle Accident in Ontario

If you have been involved in a motor vehicle accident in Ontario, you most probably will find yourself filing a claim with insurance companies. When insurance companies was first enacted in 1974, it was to provide standardized coverage and protect all British Columbians with protection under a basic level of insurance coverage. But over the years, the insurance companies claims process has shown itself to be complex and compensation under its basic plan inadequate for many injuries sustained in an accident. That is why many people seek the advice of a personal injury lawyer after an accident.

There are several mistakes you don’t want to make when filing a claim with insurance companies. If you take care to follow a few simple rules, you will be in a better position to reach a fair settlement with insurance companies after an accident.

Call the Police

Don’t rely on the insurance companies adjuster to determine fault after the accident. Let the experts do that at the scene. Make sure to get a copy of the police report so you can file it with your claim.

Get Personal Information From All Involved

You will want to get as much information as possible from the others involved in the accident as well as witnesses. You want to get the name, number, license plate number, and full vehicle description of anyone who is involved in the accident and any witnesses who may have seen it.

Compile Any Evidence

After an accident, the more information and evidence you have, the better your position will be if you need to prove you were not at fault. Your percentage of fault will have a great impact on the settlement you get so this is of the utmost importance. Take photos and make notes of exactly what happened and what the conditions surrounding the accident were. Memory has a way of fading after time so you want to chronicle everything about the accident when it is fresh in everyone’s mind.

Make Sure to Get Medical Care

After an accident, you may not feel that you are injured. But in the case of many injuries, symptoms don’t always express themselves immediately. You are better off seeing your family physician after an accident and following all advice that he or she gives you.

File a Claim as Soon as Possible

You should report your accident to insurance companies as soon as reasonably possible to file a claim. Although you have a two year time period in order to pursue a tort claim, you will want to get the claim in process as soon as possible.

Don’t Volunteer Too Much Information

Always be mindful of what you say to insurance companies. You never know if what you inadvertently say could be used against you.

Apply for Employment Insurance as Soon as Possible

If you aren’t able to work because of your injuries, you will want to file for medical employment insurance as soon as possible.

Don’t Accept the First Settlement Offer

You want to be very careful that the settlement you are getting is sufficient for your recovery and expenses after an accident. In most cases, the first settlement will be lower than you will need.

Get Legal Advice

Before you accept any settlement with insurance companies, you should get the advice of a personal injury lawyer. At Personal Injury Lawyer, we can guide you through the insurance companies claims process and represent your legal rights after an accident. Call us for a complimentary consultation to understand how legal representation can be beneficial after an accident.

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What You Need to Know About Slip and Fall Claims

Accidents happen and when they result from the negligence of someone else, the victim of an injury can sue under what is called a premises liability or “slip and fall” claim. But slip and fall claims can be complex and the burden of proof belongs to the victim or injured party. So here is what you need to know if you have been injured in a slip and fall accident.

Slip and fall accidents can result from a variety of different circumstances and can happen on private, commercial, or municipal properties. These can involve things like wet floors, inadequate lighting, or unsafe construction areas. Owners or managers of properties are obligated to keep them safe for people who use them. When they fail to do so, they can be liable for any injuries that result from these situations.

Liability can be proven if the owner or manager should have recognized and remedied the situation or the owner or manager actually created the hazard and did not take the precautions to remedy it knowing that it could foreseeably cause an accident.

Some questions that need to be asked when determining liability are:

How long had the hazard existed?
Did the owner or manager routinely inspect the property for safety hazards?
Was there a reasonable explanation for the hazard?
How difficult or expensive would it have been to repair or remedy the hazard?
Was there any attempt to warn anyone about the hazard?

Although slip and fall accidents may be minor, many serious injuries happen due to premise liability accidents, primarily with elderly victims or children. These accidents can include anything from bruises to traumatic brain and spinal cord injuries. For more vulnerable people, these can often result in life-altering injuries.

Proving the Injury

When it comes to slip and fall injuries, it is the victim’s responsibility to prove the injury. If you have been injured in a slip and fall accident, you should get medical attention immediately no matter how minor you think the injuries may be. In the case of brain injuries, symptoms of injuries can often take hours or even days to surface.

Collecting Evidence

Collecting evidence is very important to be able to document the nature of the accident. Photographs of the accident scene, the injuries, and the clothing and footwear that were worn should be collected after a slip and fall accident. Contact information of any witnesses should be collected as well as statements about what the witness saw.

Getting Legal Advice

If you have been injured in a slip and fall accident, it is important that you get the professional legal advice of a personal injury lawyer. At Personal Injury Lawyer, we have collected millions of dollars in compensation for our clients who have been injured in slip and fall accidents. Call us today for a no-cost consultation to see if you have a valid slip and fall claim.

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What is the Load Capacity and Durability of Aluminum Gantries?

When you talk of the standard or regular Aluminum Gantries, you will get lifting capacities of 3-5 tons. You can increase them in increments of 6 inches. The ability to adjust heights helps you to modify the cranes up to 12-14 feet. The steel locking pins come with stable springs. They ensure automatic dynamics with other machines when you touch the height poles. The height adjustment feature is instrumental in helping specific lifts. You can maneuver the products in floors and facilities that are very challenging. The central locking system provides huge span grip and adjustability. It’s at least 20-22 feet. You can easily transport objects through narrow aisles.

The portability

Aluminum Gantries help you transport loads through narrow hallways, by lanes, driveways, decks, and roofs. You can also increase the coverage of the crane if you want to. The most prominent aspect of these cranes is that regardless of their heavy-lifting scope and durability, they are extremely portable. Usually, you wouldn’t think that portability and heavy-duty operations don’t go hand in hand, but aluminum gantries offer you different advantages in this regard. The one-ton or small gantry cranes can weight as little 110-115 lbs. In comparison with the all-steel models, the aluminum cranes are even lighter than the half stainless steel gantries.

Notice the aluminum variants

You also have the double ton models. They foot span is 10 feet. The overall weight of the span is 270-280 lbs. Talking of Aluminum Gantries, the extrusions also play a crucial role. If you compare these cranes with steel cranes that have the same span or properties, you’ll find that the latter will weigh at least 650-750 pounds more. That’s exactly why aluminum gantries are so popular in the market today. Portable and flexible, they can provide a multitude of functions. Assembling and disassembling these cranes is very easy.

The right mathematics

Ease of handling Aluminum Gantries make them ideal commercial tools for businesses and contractors that need to lift objects or transport them in service trucks from one site to another. Riding on the back of tremendous corrosion-resistant and weather-proof properties, the aluminum cranes are most suitable for refrigerated areas, clean rooms, and every kind of controlled environment. With multiple accessories, core components, and features and options, these gantry cranes are a great solution for economical lifting and movement. The A-frame variant is one of the most popular options in this regard. They are ideal for extensive industrial lifting and movement.

A foot note

It’s not proper to fix aluminum cranes with the building in the way you fix an overhead gantry. As far as the design is concerned, you need to remember that contrary to common usage, these cranes are very stable and firm under duress. They help you transport heavy load from one point to another. The beams have a stable and strong foundation due to the support legs and I-beam. Swivel casters bolster the movement and transportation of loads extremely smooth. Contact the manufacturers to know more about the durability.

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Vaping or hitting the bong: The main differences

When starting a new hobby, we always want to know as much as we can about the topic. That way, we can enjoy a lot more the activity we are doing. Of course, the same thing happens when we want to start smoking since the quality of our experience will depend on the knowledge we have about this area.

There are many different options when buying a bong or any other kind of glass pipe, just as a vaporizer, we must be sure of what we want before making a choice. For example, knowing the differences between vaping or hitting the bong will help you choose the best way of smoking according to your needs.

To start, we can point that both vaporizers and bongs are popular and can be easily found. In addition to this, vaporizers or e-cigarettes are way more expensive than bongs, so you also have to consider your budget before picking one of the options available.

What is vaping?

At some moment in your life you may have heard about vaping, but what does it mean? Well, it consists in the use of an electronic cigarette or vaporizer for smoking, which is, inhaling and exhaling vapor with our favorite flavors..

These smoking method has gained popularity in recent years, since vaporizers or e-cigarettes are smaller and lighter than bongs, and can be easily carried around when needed.

And talking about the supplies, a vaporizer needs a smaller amount of e-juice (substance that we load innour vaporizar) and it is not needed to use any water. It also is healthier for us, since vaporizers produce cleaner smoke and prevent us from ingesting any harmful chemicals, just as keeps our teeth cleaner than a bong could do.

If you are new to smoking, a vaporizer is perfect for you. These make you feel high way slower than a bong, and the hit is less overwhelming and heavy.

And what is hitting the bong?

This is the oldest and most used smoking method for centuries and is usually used by people who smoke tobacco or other herbs. A bong can be used for smoking different substances, and it is normally made of glass or some kind of acrylic.

It is considered a water pipe since it is needed to fill the bong with water before using, and is also really easy to use and get in case you have a low budget since these are cheaper than electronic cigarettes.

Unlike some vaporizers, which can let you take multiple draws for a few minutes, this glass water pipe lets you take even two big sips every so often. Using a bong to smoke produces a heavier hit than an electronic cigarette, and even the aroma can influence the way we react to the vapor.

In the end, your choice will depend on your needs and desires, and we encourage you to pick the best smoking method for you. Here in Glass Tank, we are ready to help you, you only need to contact us and we will give you all the advice you may need.

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What Are the Leading Causes of Car Accidents in Canada?

According to Transport Canada, there were 161,902 motor vehicle collisions in 2015, 116,735 of these resulting in personal injuries. Despite new advancements in safety technology in today’s vehicles, the number of injuries continues to have an impact on thousands of people each year.

According to personal injury lawyers, when it comes to the leading causes of accidents each year in Canada, the top of the list has moved ahead of impaired driving and is one that has had a heavy impact on our injury rate since the invention of the smartphone.

Distracted Driving

With our new forms of technology, distracted driving has become our number one cause of motor vehicle collisions. Although we all feel as though we can adeptly multi-task, it becomes all the more obvious that it simply isn’t possible while behind the wheel of a car. Looking away from the road for even a couple seconds can have life-altering implications. One study found that driving while talking on a cell phone quadruples the risk of a collision.

BC banned the use of electronic devices as of January 1, 2010 and imposed tougher penalties that took effect June 1, 2016. ICBC has even instituted new harsher penalties for those who have exhibited distracted driving. And yet collisions keep happening at the hands of distracted drivers each year.

Impaired Driving

In 2016, ICBC recorded 67 traffic fatalities in BC resulting from driver impairment. A driver who is impaired by alcohol or drugs cannot react as quickly as necessary and poses a danger to themselves and others on the road. Anyone who is planning to drink or is afraid they have had too much to drink should never get behind the wheel of a car and should instead call someone else or appoint a designated driver.

Speeding

Speed limits are not just polite suggestions. They are the law, When driving at a high speed, you are not able to have enough time to react to changes or situations taking place on the road. Weather conditions compound this. ICBC reported 92 fatalities due to speeding in 2016 with nearly half of them involving dangerous road conditions.

Risky or Aggressive Driving

According to Transport Canada, aggressive driving is defined by speeding, running lights, tailgating, weaving in and out of traffic and failing to yield. Acts of aggression can be making rude gestures or verbal abuse, preventing other drivers from moving, assaulting another driver. These acts put all drivers on the road in a dangerous position.

If you have been injured in a motor vehicle accident due to the negligence of another driver, get professional legal advice. Call the personal injury lawyers at Personal Injury Lawyer. We will protect your rights if you have sustained injuries due to a dangerous driver.