Most drivers strive to drive safely and be courteous to others on the road. However, no one is perfect, and you have probably accidentally cut someone off or done something to upset another driver. Most drivers know to take these instances in stride and not take it personally, but some drivers exhibit extreme and malicious reactions that are classified as road rage.

Road rage can cause serious auto accidents, which can lead to catastrophic injuries and fatalities. If you or a loved one has been a victim of a driver with road rage, call Findlay Personal Injury Lawyers to speak with one of our experienced auto accident lawyers to find out your options for recovering damages and holding the dangerous driver accountable.

What is the Difference between Road Rage and Aggressive Driving?

man with road rage in a truck

Aggressive driving constitutes a traffic infraction, while road rage may be considered a criminal act. Both road rage and aggressive driving involve reckless and dangerous driving and the violation of traffic laws. The difference between the two lies in the driver’s intent. Drivers with road rage act aggressively in order to retaliate against another driver, whereas aggressive drivers may violate a traffic law, such as exceeding the speed limit, without malice toward a particular driver.

What are Some Examples of Road Rage?

A driver with road rage will fixate on a specific car or driver. He or she may take the following actions in order to “punish” the other driver for a perceived wrong:

What to do if You are Targeted by a Driver with Road Rage

Unfortunately, even an honest mistake can set off a driver with road rage. If you find yourself in a position where another driver is acting erratically, and you do not feel safe, the Official Ministry of Transportation (MTO) advises the following:

What to do if You are a Victim of Road Rage

If you’ve been injured as a result of road rage or aggressive driving, call the team at Findlay Personal Injury Lawyers to find out the best course of action in your case. A personal injury lawsuit against a driver who caused your injuries can help you recover compensation for:

If a loved one was killed in a fatal crash caused by a malicious driver, you may be able to file a wrongful death lawsuit. We understand that losing a loved one is a traumatic experience and you may not feel up to talking with a lawyer, but it is important to take action to hold the responsible party accountable. By filing a lawsuit, you are doing your part to let others know that violent acts on the road are unacceptable and have consequences.

Schedule Your Free Auto Accident Consultation

If you’ve been injured in a car accident caused by another driver’s road rage, please call Findlay Personal Injury Lawyers at 905-522-9799 today for your free auto accident consultation. We will listen to your case and help determine your best options for pursuing justice. We serve clients in Hamilton, Brantford, Stoney Creek, Niagara Falls, and other nearby areas of Ontario.

Multiple factors are considered to determine who is liable if you are injured in an accident while driving a company vehicle. Two important variables to look at are who was at fault and what you were doing at the time of the accident.

Work-related auto accidents can make for complicated legal cases. To secure maximum compensation for your injuries, you will likely want an experienced auto accident lawyer on your side. The knowledgeable, caring team at Findlay Personal Injury Lawyers can help you determine the best course of action to get you the benefits you deserve.

Work Vehicle Accidents and Workers’ Compensation

work vehicle accident compensation infographicWorkers’ compensation helps workers cover medical bills and lost wages due to injuries that occur while doing job-related tasks. If you were performing a work-related duty when the accident occurred, you are likely eligible for workers’ comp benefits.

Certain circumstances may disqualify you for workers’ compensation. You may not be eligible if the accident occurred when you were:

When Can I File a Lawsuit after a Work Vehicle Accident?

If another driver caused the accident due to his or her negligence, you may be able to sue the driver for damages beyond your workers’ comp benefits. Workers’ comp benefits are capped and may run out before you are fully recovered. Additionally, workers’ comp does not cover the costs of pain and suffering. Particularly if you suffer a catastrophic injury, a lawsuit may be the best way to ensure you can get the care and resources you need.

Third party lawsuits must be filed within the statute of limitations. Failure to meet deadlines and file the necessary paperwork may mean that you forfeit your right to sue. The team at Findlay Personal Injury Lawyers is experienced at navigating these complex cases and can make sure your case stays on track.

Do I Need a Lawyer After an Accident in a Work Vehicle?

It can be difficult to recover damages without the assistance of a lawyer. First, managing your workers’ comp claim, a lawsuit, and your rehabilitation after an injury can be overwhelming. The last thing you need when healing from an injury is the additional stress of learning how to file a workers’ comp claim, what to do if your claim is denied, and how to file a successful lawsuit.

Second, without experience dealing with insurance companies, you may not be able to effectively negotiate a fair settlement amount. Insurance companies are notorious for trying to lowball accident victims. Our lawyers know how to fight to get you the compensation you deserve.

Schedule Your Free Consultation

At Findlay Personal Injury Lawyers, we understand how stressful it can be to recuperate after an accident. We offer a free, no-obligation consultation to discuss your case. If we accept your case, we work on a contingency basis, which means that we do not charge our fee unless we achieve a favorable outcome for you.

Call 905-522-9799 to schedule your free case review. We serve clients in Burlington, Brantford, Hamilton, and the nearby areas of Ontario.

If you’ve been injured in a car accident, you may not know how much, if any, compensation you are entitled to. You may receive a settlement offer or accident benefits from your insurance company and think that it seems fair, only to later realize that it wasn’t enough to fully cover all of your injuries and ongoing care. An experienced car accident lawyer can help make sure you get the compensation you need and deserve.Ambulance and paramedics at the scene of a car crash with injured victims

If you were hurt in a car accident, call Findlay Personal Injury Lawyers today at 905-522-9799 for your free, no-obligation consultation. We always recommend talking to a lawyer before accepting any settlement offers or signing anything. It costs nothing for a consultation, and it could help you in the long run.

How a Car Crash Attorney Can Help Your Case

If your injuries are minor or nonexistent, you probably do not need a lawyer. However, if you were significantly injured in your car crash, it is probably a good idea to at least give one a call. A car accident attorney can provide the following invaluable services:

Of all the reasons to hire a personal injury lawyer after a car crash, one of the most important is simply to have someone knowledgeable and experienced on your side. Findlay Personal Injury Lawyers pride ourselves on our personal and compassionate approach to cases. We treat you like a human being and fiercely advocate for you against other parties who may try to devalue or even deny your claim.

Should You Hire a Car Accident Attorney?

Not everyone who is in an automobile accident will need a lawyer. If nobody involved was injured in any way, or if injuries were very minor, it is likely that a lawyer is unnecessary. However, if injuries requiring medical care were sustained, you should call Findlay Personal Injury Lawyers for a complimentary consultation.

Your consultation with us is free and zero obligation. We can listen to your case, review any settlement offers from your insurance, and let you know what your best course of action will be. We are honest with all prospective clients, and we will tell you whether or not we believe we will be able to help in your particular case. We value transparency and communication, and if we take your case, we will be in constant contact and keep you updated with all developments.

Schedule Your Car Accident Consultation

If you’ve been seriously injured in a car crash, you should call Findlay Personal Injury Lawyers as soon as possible at 905-522-9799 to schedule your complimentary consultation.

We serve clients in Ontario, Hamilton, Brantford, Stoney Creek, and other nearby areas of Ontario.

If you are injured in an accident while driving for work, there are a number of factors to take into consideration when determining liability. Depending on the circumstances, you, your employer, or the other party in the accident may be held responsible. Car accidents that occur on the job can be quite complex, so it’s in your best interests to talk to an experienced lawyer.Driving for work on the freeway

Call Findlay Personal Injury Lawyers today at 905-522-9799 to schedule your free and confidential consultation. We will be happy to listen to your case and help you determine the best course of action going forward.

If You Caused an Accident While Driving for Work

If you were driving for work and caused an accident, both you and your employer may be held responsible. Vicarious liability means that an employer can be held responsible for accidents caused by their employees while on the job. Often, vicarious liability kicks in when your own insurance isn’t enough to cover all damages, such as when the accident involves multiple parties or highly expensive cars.

Vicarious liability only applies if you are actually on the job while driving. It will not apply if you are:

Even if you are in a company car, if you are not actively driving for a work-related duty, you will be fully responsible if you cause an accident.

If Someone Else Caused an Accident While You Were Driving for Work

If you were the victim of someone else’s negligence while you were driving for work, you have a few options for obtaining compensation for your injuries. You can sue the parties responsible for the accident, and you may be able to obtain workers’ compensation as well.

Workers’ compensation is available to most employees if they are injured while performing work-related duties, including driving for work. Once again, commuting or running personal errands are excluded. Workers’ compensation can help to make up for lost wages while you are unable to work, but they are capped and do not cover intangibles such as pain and suffering.

A lawsuit against the party or parties who caused your accident will be the best way to obtain the most compensation. Although you will likely receive a settlement offer from insurance, you should not accept it until you have consulted us. We can advise you as you whether or not the offer is fair. Insurance companies often try to lowball their initial offers in order to protect their bottom line, rather than your health. We can let you know what your case is really worth and how much you are likely to get if you opt for a lawsuit.

Schedule Your Complimentary Consultation

If you have been in a car accident while driving for work, don’t hesitate to contact Findlay Personal Injury Lawyers at 905-522-9799 today for your complimentary and confidential consultation. We serve clients in Hamilton, Brantford, Stoney Creek, Burlington, and other nearby areas of Ontario.

After being injured in a car accident, you may think that you can just leave your settlement up to your insurance and they'll compensate you fairly. Unfortunately, this is rarely the case. Take a look at this slideshow we've put together detailing the types of damages you can receive from a personal injury claim, and why it's often better to have a lawyer on your side in order to maximize the compensation you can receive.

If you or a loved one has been injured in a car crash through the negligence of someone else, don't hesitate to contact Findlay Personal Injury Lawyers at 905-522-9799 for your free consultation.

The Ontario Provincial Police (OPP) have released their annual traffic report with data from 2017. The report tragically found that traffic fatalities rose from 2016 in almost all categories, with the largest number of deaths occurring in incidents where a driver was inattentive or speeding.Car accident in Ontario | Findlay Personal Injury Lawyers

If your loved one was killed in a traffic accident by a negligent driver, don't hesitate to contact Findlay Personal Injury Lawyers today at 905-522-9799 to schedule your free legal consultation. We will handle your case with care and compassion, and help you get the justice and compensation you deserve.

Inattentive Drivers Account for Most Traffic Fatalities

The so-called "Big Four" of traffic fatality causes include:

Last year, the top number of car accident casualties in Ontario were caused by inattentive drivers, according to the OPP. Inattentiveness most often occurs when drivers are distracted by something else while driving, such as:

Texting especially has become a top cause of car accidents not only in Ontario, but around the world. Texting while driving is incredibly dangerous, as it takes your attention off the road for minutes at a time. It only takes a second to lose control or crash into another car, with potentially fatal consequences.

If you have been injured in a car accident involving a distracted driver, or if you have lost a loved one to negligence on the road, contact Findlay Personal Injury Lawyers to see if you may be entitled to compensation.

2017 Saw Highest Number of Motorcycle Fatalities in 10 Years

Motorcyclists are inherently at a higher risk for catastrophic injuries and death due to how exposed they are. In 2017, 48 motorcyclists died in Ontario, with over half that number not at fault. In 2016, there were 36 motorcycle deaths.

Car drivers are often not on the lookout for motorcyclists, and may fail to see a motorcycle when turning or merging. If you are riding a motorcycle in traffic, you should always be aware of your surroundings and prepared to react. In addition, you should always wear a helmet. Not only is it required by Ontario law, it could be the only thing between you and a catastrophic brain injury in the case of an accident.

If you have a close relative who was killed in a motorcycle accident by a negligent car driver, you may be able to file a wrongful death lawsuit. Motorcyclists have the same rights to the road as regular cars and trucks, but they are much more vulnerable and car drivers should always exercise caution when driving near one.

Schedule Your Free Personal Injury Consultation

If you have been injured, or if your loved one has been killed, in a traffic accident that was not your fault, contact Findlay Personal Injury Lawyers today at 905-522-9799 to schedule your free, no-obligation consultation. We serve clients in Ontario, including Hamilton, Burlington, Stoney Creek, Brantford, and Niagara Falls.

While car accidents and semi truck accidents may appear similar on the surface, commercial truckSemi truck accidents can be severe | Findlay Personal Injury Lawyers accidents tend to involve higher stakes and more complexity that require a highly experienced personal injury lawyer to navigate. Commercial trucks often carry higher insurance maximums due to the inherent dangers involved in driving such a heavy vehicle, but insurance companies will almost never offer you a fair settlement at first. A personal injury lawyer can help you value your claim fairly and fight for the compensation you deserve.

You only have 120 days from the date of your accident to give notice of a lawsuit, so we highly recommend contacting a truck accident lawyer as soon as possible. Findlay Personal Injury Lawyers offer free, no-obligation legal consultations, so there is no harm in giving us a call at 905-522-9799.

Here are some ways in which a car accident might differ from a truck accident.

Severe Injuries and Death

Car accidents can result in catastrophic injuries, but semi truck crashes are almost guaranteed to do so. 18 wheelers are much larger and heavier than the typical passenger vehicle, and often cause devastating injuries and even deaths when involved in an accident. In fact, approximately 98% of all tractor trailer crashes result in at least one fatality.

Catastrophic injuries such as traumatic brain injury, spinal cord injury, loss of limbs, or disfiguring burns can lead to lifelong disability, inability to work, and dramatically decreased quality of life. We can help you to recover damages for:

If your loved one was tragically killed in a truck accident, we can help you recover damages for funeral and burial costs as well as loss of companionship. We know that a lawsuit might be the last thing on your mind after the devastation of losing a beloved family member, but please rest assured that we will treat you with the utmost compassion and help you to both recover compensation to help with future financial stability, and help to provide closure by bringing the responsible party to justice.

More Complicated Liability

Truckers and trucking companies have rules and regulations that they need to abide by. If it's found that any of these regulations were violated, the trucking company may be found liable. In addition, commercial trucks are large and complex vehicles that require regular maintenance. If an accident occurs due to mechanical failure, the truck manufacturer or mechanic may be found liable.

Truckers themselves also need to make sure they are in good condition to drive. A big problem in the trucking industry is truck drivers who drive too long without a break, leading to accidents due to drowsy driving. If this was the case in your accident, both the trucker and the trucking company may be held liable.

Our trucking accident lawyers can investigate your accident and determine who was at fault.

Schedule Your Free Legal Consultation

If you or a loved one has been injured in a commercial truck accident, please don't hesitate to contact Findlay Personal Injury Lawyers at 905-522-9799 today to schedule your free case evaluation. We serve clients in Hamilton, Stoney Creek, Brantford, Niagara Falls, and other nearby areas of Ontario.

clipart of two people crossing the street
After a long cold Winter, Spring brings the warmer air and sunshine which also brings out more pedestrians.  Over the past weekend at least 2 pedestrians were struck by vehicles as they attempted to cross Hamilton streets. On Friday night a young woman was crossing at Main Street West and Thorndale Street South when she was struck by a vehicle turning onto Thorndale. A second accident occurred early Sunday morning when a 20 year old man was hit while crossing at Young Street and John Street. Drivers are often focused on other vehicles as they drive and they can fail to properly look out for pedestrians before they make a turn. As a result, pedestrians need to also take safety precautions as they cross roads even when they are at a designated cross walk.

Injured pedestrians may not fully understand what they are entitled to if they are injured by a vehicle.  Whether you are in a car, on a bike or a pedestrian while you are injured, your own insurance company is responsible to cover you for Accident Benefits Claims such as medical expenses not covered by OHIP and an Income replacement benefit while you are unable to return to work.

Injured by a vehicle and you don’t have your own Insurance coverage? It would then be placed under your parents or your spouse’s policy. If there still isn’t access to Insurance coverage you would fall under the insurance of the driver that hit you.

Lastly, if the driver responsible for the accident doesn’t have insurance the Accident benefits would be covered by the “Motor Vehicle Accident Claims Fund” often referred to simply as “the Fund”

For more details on what an accident victim is entitled to under the Accident Benefits visit:

For more information on the recent Hamilton Pedestrians accidents visit:

If you are involved in a car accident that was determined to be your fault, it is very likely that your monthly insurance premium will increase. But how can you determine the amount that your rate will be increased by?

This is a difficult question to answer since the rate of increase for insurance premiums varies from company to company. For this reason, it is a good idea to discuss the rate increase schedule with your insurance company before purchasing your policy. This will help you determine which company will provide you with the best value in the event that you cause a car accident.

Keep in mind that subsequent car accidents which are deemed your fault will continue to raise your rates. In some cases, multiple car accidents charged to you may eventually result in having your coverage canceled.

In addition, your base insurance premium rate is influenced by factors such as the type of car you drive and where you live. If an insurance company increases your rates by a certain percentage following a car accident, then it is in your best interests to choose the carrier that offers you the lowest base rate.

Ultimately, the best way to avoid these insurance hikes is to drive safely. However, even the most careful drivers get into a car accident on occasion. Hopefully, you have chosen an insurance carrier that only increases their rates gradually.

If you have been injured in a car accident in the Burlington or Hamilton, Ontario area, please contact Findlay Law Offices today to schedule your free initial consultation.

It’s National Road Safety Week, which is a great time to take a close look at your car insurance policy and find out what accident benefits are included…and increase your coverage if it’s looking a little light.

To help you make well informed decisions about the kind of coverage is best for you, we’ve put together this primer on accidents benefits in Ontario—what they are, how to apply for them, what “optional” coverage is available…and how much it might cost you.

What are car accident benefits?

If you’re injured in a motor vehicle accident, by law you’re eligible for compensation, including replacement of your income, medical treatment and rehab that’s not covered by OHIP, and coverage of some expenses for personal care. The dollar value of the benefits you’ll receive will vary depending on the severity of your injuries and the insurance coverage you have.

Where do I apply for accident benefits?

Under Ontario’s “no fault” insurance rules, if you’re in an accident and have auto insurance, your application for car accident benefits goes to your own insurance company—even if someone else caused the crash. If you’re the guilty party, you’re still eligible for benefits from your insurance company—unless you broke the law, which may limit the benefits you can get. If you’re a passenger, pedestrian or cyclist injured in an accident and you don’t have auto insurance, your application for car accident benefits will go to the driver’s insurance company. And if they don’t have insurance—yikes—you can apply to the Motor Vehicle Accident Claims Fund.

What’s the minor injury guideline?

As part of insurance changes in 2010, the government created a “minor injury guideline” that includes sprains, strains, contusions, abrasions, lacerations, subluxations and “whiplash associated disorders.” If your injuries fall under the minor injury guideline, your medical and rehab benefits will be capped at $3,500, unless you’ve got a provable pre-existing condition and, as a result, need additional medical or rehab treatment to make a full recovery. Many people who’ve been in car accidents will tell you that so-called minor injuries may need major rehab—and $3,500 doesn’t go very far. Unfortunately any additional coverage for medical or rehab benefits you’ve purchased through your auto insurance won’t do you any good if your injuries are considered minor.

What are optional benefits?

Optional car accident benefits are enhancements or add-ons to your insurance policy for an additional cost.

Some optional benefits bump up the maximum amount you can receive for certain benefits that come “standard” with your policy. For example, standard income replacement is up to $400/week, but you can pay extra to increase that to anywhere from $600 to $1000/week. You can increase the amount you have available for medical and rehab benefits, too. Standard benefits are $1M for a catastrophic injury, $50K for a non-catastrophic serious injury and $3,500 for a minor injury. You can bump those ceilings up to $2M for a catastrophic injury or anywhere from $100K to $1.1M for a non-catastrophic injury. (Injuries that fall into one of the categories considered “minor” are capped at $3,500, regardless of whether you opted to bump up your coverage.) Attendant care benefits, which provide compensation for personal care services such as bathing, dressing and meal prep, are capped at $36K under the standard benefits scenario, but they can be increased as well.

You can also opt to add extra benefits that standard benefits don’t offer. Examples are housekeeping benefit (to pay someone to do your house work if you can’t) and caregiver benefit (to pay someone to care for your dependents if you were their primary caregiver before your injury).

Whether you purchase your insurance directly from a company or deal with a broker, they have to explain optional benefits to you and offer you the opportunity to purchase them. It’s the law.

Should I purchase optional benefits?

The short answer is yes.

When insurance regulations changed in 2010, the “standard benefits” that everyone with auto insurance is eligible for were reduced. A lot.

Standard medical and rehabilitation benefits were slashed in half for serious injuries and reduced by almost 97 per cent for minor injuries. If you think about all the healthcare services that aren’t covered by OHIP—medication, psychologists, medical devices, vocational retraining, physio, massage and occupational therapy…and the list goes on—those costs can definitely add up fast. Attendant care benefits, which cover the costs of personal care while you’re injured, were cut in half, too. Housekeeping benefits were eliminated altogether.

How much will optional benefits cost me?

Very few Ontario drivers purchase optional benefits with their insurance—in most cases, the opt-in rate is less than one per cent—but they don’t necessarily cost a lot. We surveyed five of Ontario’s largest insurance companies, using a 35-year-old female driver as an example, and it turns out extra peace of mind doesn’t have to break the bank.

Increasing the medical rehab benefit from $50K to $1.1M and the attendant care benefit from $36K to just over $1M cost as little as $107 from one insurer we surveyed. Adding housekeeping and a caregiver benefit started at $88. Bumping up income replacement from $400/week to $1000/week added as little as $134 to our hypothetical driver’s annual premium.

Talk to your insurance broker or insurance company about what optional benefits are available to you, and how much they’ll cost. If you’re not happy with the answer, maybe it’s time to shop around.

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Disclaimer: The information throughout this website is not intended to be taken as legal advice. The information provided by Findlay Personal Injury Lawyers is intended to provide general information regarding personal injury law, catastrophic injury cases, wrongful death claims, medical malpractice lawsuits, car accidents, truck accidents, motorcycle accidents, and more for residents of Hamilton, Burlington, Stoney Creek, Brantford, Niagara Falls, and nearby areas in Ontario. This website is not intended for viewing or usage by European Union citizens. If you are interested in learning more about our law firm, please contact us for a personal consultation.

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