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Out Of Country Injuries

Traveling out of the country to take a break from work or nasty winter weather is usually an exciting and refreshing experience. However, accidents can occur anywhere. The injured traveler would be surprised to learn of the many difficulties faced when attempting to recover financial compensation for his or her losses. The standard of care varies from country to country. Bringing a claim against a hotel/resort or medical practitioner can come with many unforeseen roadblocks.

Some countries prohibit personal injury claims altogether; while others adopt a very short time period during which a claim can be made. It is important that travellers consult a local lawyer as soon as possible. The lawyer should be well-versed in the personal injury compensation system in that jurisdiction.

In certain circumstances it is possible to sue a foreign hotel/resort in Ontario for an injury sustained out of the country. The court will look to see if certain criteria are present in deciding whether to assume jurisdiction. This criteria was set out by the Supreme Court of Canada in the decision of Van Breda v. Club Resorts Ltd. As a side note, there are also difficulties in claiming against tour providers or operators located in Ontario. Though they may operate in the province, they are seldom found liable for these types of incidents as they typically have no control over the hotel or resort.
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When Following the Law Leads to Unfair Results

In Soczek v. Allstate Insurance Co., the plaintiff’s husband attempted to kill her by pouring gasoline on her and lighting her on fire. The plaintiff sustained significant injuries and in the midst of the tragic events the family home was burned down. The plaintiff was co-owner of the home with her husband and they were co-insured under an Allstate homeowner's insurance policy. The plaintiff advised her insurer of the fire and sought reimbursement for the damage caused to her home. The insurer refused coverage. It relied on an exclusionary clause in the plaintiff’s policy. The clause excluded coverage for property damage caused by any “intentional or criminal act” by a person insured under the policy, which included the plaintiff's husband.

Justice Morgan heard the motion. His decision highlighted the unfairness of this exclusion clause and acknowledged the hardship and position of the plaintiff. Nevertheless, he decided in favour of the insurer and dismissed the plaintiff's case. The plaintiff was left with the loss of her home and no insurance coverage to repair it.

The fall-out of the decision was not a determining factor in the overall analysis. As difficult as it is to understand, the judge’s hands were tied in the matter. The law in Ontario is clear; it has dealt with this exclusion clause in the past and has refused to put it aside.

Other provinces have taken a pro-active approach to avoid such unjust scenarios by enacting a bar against these types of exclusionary clauses. Unfortunately, Ontario has not followed suit. There’s no doubt that there is fundamental injustice in this decision. It is a prime example of how the law doesn’t always consider fairness and iniquity.

You can read the decision in its entirety here.
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Things To Do After A Fall

There are some basic things you should do after you have been injured as a result of a slip or trip and fall - even if you are not certain that you have a claim. It is much easier to collect important information and take certain steps at the outset then to try and do it weeks or months after the fall.

  1. Provide Notice Immediately: if you think you have slipped or tripped on City property, notify the City of the circumstances right away (i.e., date, time, and location of fall along with a brief description of your injuries). Most City clerks have email addresses and/or facsimile numbers so written notice can be given this way. This is essential since the Municipal Act, 2001 requires that notice be given to the City within 10 days of the incident. There are some limited circumstances in which this notice period can be extended, but it's better to avoid that problem altogether if possible.

  1. Precisely Identify the Location of the Fall: as time goes by (even just hours or days) the accuracy of our memories generally fade. It is typically essential to precisely identify the location of a slip or trip and fall in the legal context. So make sure to gather as much information as you can about the location of your fall - and do it as soon as you can. This includes the date and time the fall occurred, the street or intersection, the municipal address, and any unique characteristics that might help pinpoint the location - such as the location of doorways, planters, traffic lights, bicycle stands, and so on.

  1. Preserve Your Footwear: footwear in a slip or trip and fall is evidence in a lawsuit. The property owner will often argue that the injured person was wearing inappropriate footwear at the time of the incident in order to avoid being found at fault (e.g., high heels in the middle of winter on a sidewalk during a storm). So it is important to stop using the footwear you were in at the time of the incident and bag those shoes or boots for future inspection. Even if, for example, you were wearing proper winter boots when you slipped on ice, if you continue to use those boots for months or years after, the sole will wear down over time and may not help you as much as they should in resolving your claim.

  1. Take Photographs: at times it is simply not practical to take photographs of where you fell. For example, you may be in excruciating pain and require immediate emergency medical assistance. Taking a photograph is the last of your concerns. However, at other times taking a photograph (or having someone else do so) of the location of the fall is possible - and this can prove to be extremely helpful in resolving the claim at some point down the line. Even returning to the scene of the fall several days later to take photographs can be quite helpful - particularly if the cause of your fall remains present (for example, a broken step, a missing interlock brick, or a crumbling curb). It is best to take many photographs of the area, including close up and wide angle shots, and shots from different vantage points, in order to provide the viewer with an accurate understanding of the circumstances giving rise to the fall.

  1. Collect Witness Information: if someone witnessed your slip or trip and fall, make sure to obtain their contact information (full name, address, and telephone number). A witness' evidence as to what occurred can be quite powerful and, much like photographs, can go a long way toward quickly resolving a claim.
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Avoiding Common Motorcycle Accidents

It's no secret that most motorcycle accidents fall into just a handful of categories. These are:

  • an oncoming automobile turns left across the path of the motorcycle

  • the motorcyclist hits a patch of gravel in a turn and slides out

  • an automobile changes lanes and sideswipes the motorcycle

  • the motorcyclist enters a turn too fast, panics, and goes upright (or drops)
Fortunately, there are many things motorcyclists can do to limit the chance of being involved in these types of accidents. This includes wearing bright clothing to increase your visibility, enter turns slower to allow time to react to changing conditions, be aware of other drivers' blind spots and avoid them as much as possible, and work on your emergency avoidance and braking skills in, for example, an empty parking lot. As they say, avoiding an accident is the best outcome of all.

Check out Wes Siler's in depth article "10 Common Motorcycle Accidents and How To Avoid Them" for more tips and detailed discussion about how motorcyclists can work to avoid accidents.
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Driving Into Sun Glare

It’s no secret that Ontario sees all kinds of weather conditions. Weather fluctuation can affect driving safety. As spring approaches and with summer around the corner, sun glare becomes an issue for drivers. Sun glare is at times blinding. It can and does contribute to motor vehicle accidents that have devastating and at times fatal results (see "Police investigating sun glare in fatal Port Hope collision").

In hopes of helping drivers navigate safely in sunny conditions, we have prepared a list of tips for avoiding and dealing with sun glare:

  • Keep your windshield clean: as counter-intuitive as this might seem, the particles on a dirty windshield intensify the glare as opposed to blocking it. A film can also develop on the inside of the glass, making sunny days trickier. Make sure that both the interior and the exterior of your windshield are kept clean to minimize the glare.

  • Be mindful. One of the most dangerous attributes of sunrise/sunset glare is that it comes up so suddenly. However, it is up to you to make sure that you are prepared for it, so keep your eyes focused farther down the road, and be aware when you are turning into the sun.

  • Drive defensively. Adjust your speed when driving into the sun, and understand that other drivers may also slow down significantly, or even stop suddenly. Leaving a larger gap between you and the car in front of you will also help to keep everyone safe.

  • Keep a set of polarized sunglasses handy: these sunglasses can protect your eyes from the sun’s glare, and can just be kept in your car within reach for these occasions.

  • Additional visors — pulling your visor down to combat strong sun glare is an option available to all drivers, but you can also purchase additional, temporary visors to use. If you decide to use one, just be sure to test it out first, as they can also block your view as well.

  • Use headlights — even during very bright days, having headlights on can help you be more visible to other drivers.
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