Broken Bones After an Ontario Accident | Toronto, ON

Broken bones after an Ontario accident

Broken bones or fractures are very common after accidents involving motor vehicles and also where people have fallen. In our Toronto personal injury law practice, we regularly see clients with fractures ranging from skull or facial bones to ankles feet and toes and everything in between!

It is generally easier to get compensation for broken bones or fractures than it is from other types of injuries because, in most cases, these injuries are objective and show up on an x-ray or other scan.

Some commonly seen fractures after accidents are:

  • Spinal vertebrae in the back or the neck. These bones can break during a rear end collision a head on collision or a T-bone collision as your body is impacted by your seatbelt, airbag, or headrest. They can also be fractured as a result of a hard fall or a fall from a significant height.
  • Clavicle which is also called the collarbone. This runs across the top of your rib cage and is quite fragile. We frequently see fractured clavicles as a result of cycling accidents involving motor vehicles.
  • Ulna and Radius.  These are the most common bone fractures we see from clients who have fallen on their outstretched arms or hand.
  • Pelvic bone. Pelvic bone fractures are quite serious and can immobilize a client for a significant amount of time.  We see pelvic bone injuries most commonly during motorcycle accidents.
  • Hip bones.  We often represent clients who have fractured their hips in slip and fall or trip and fall accidents.
  • Lower leg (fibula) and upper leg (femur). Broken legs are quite common. These are strong bones but can be fractured when the force of a collision crashes the vehicle into the body.
  • Ankle fractures.  Our law firm often sees these fractures as a result of a slip or trip and fall accident.
  • Cranial or skull fractures. These fractures require immediate attention because they can also sometimes indicate injury to the brain. Skull fractures can happen when our client hits his or her head on the dashboard window or steering wheel.  We have also had clients suffer skull fractures in cycling accidents.
  • Facial bones. Clients who are struck by an airbag or whose face meets the dashboard,  steering wheel or window may suffer a fracture of the nose, jaw, cheekbones or the bones around the eyes.  Clients may also suffer this type of injury if they strike something on the way down during a trip or slip and fall.
  • Sternum and ribs. The sternum is the flat bone in between your ribs. They are sturdy bones intended to protect your internal organs. These bones may be fractured by a client’s seat-belt or by the movement forward when struck in a motor vehicle collision.

If you have any one or more of these types of fractures,  our Toronto personal injury law firm can help you. We can help you get the rehabilitation you need to make maximum recovery to get back into your life. Where the injuries are more serious and will require an adaptation of your home , vehicle and other aspects of your life, our experience law firm can assist you with all of those changes to help you make the best of your new reality and continue to live your best life.

Contact Auger Hollingsworth for a free consultation about your bone fracture or other injury resulting from an accident.

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    Slip and Fall FAQs

    Slip and Fall FAQs

    Should I sue after a slip and fall accident?

    A slip and fall accident can have a range of injuries from minor to serious. Either way, a fall can severely impact the way you go about living your day-to-day life while trying to recover. However, is it practical for all slip and fall victims to seek compensation for your injuries?

     Not every time you slip and fall is there a claim.  However, if you can prove there was negligence by someone in control of the property where you fell, you may have a claim. For the most part, if the injuries and discomfort are minor and completely disappear within a few days to three weeks you may not want to follow through with a claim. However, if your pain persists for more than a month you may have a valid claim.   The injury lawyers at Brenda Hollingsworth’s office can provide you with a free consultation to explain your rights and current situation.

    Lianne Laing and Brenda Hollingsworth answer a caller’s question on CTV Morning Live about suing for an Ontario slip and fall accident and what the best course of action is depending on the severity of the injuries.

     

    How do I know if I have a slip and fall claim?

    During these snowy and slippery Toronto winter days, it is common for many of us to lose our balance and maybe suffer a fall.  Most of the time such situations don’t involve other individuals or fault of any kind, but on occasion, a fall can be attributed to someone’s action, or inaction.  Legally speaking, a slip and fall case is one where an individual is injured after a “slip and fall” which was due to the intent or negligence of another person.  An individual who suffers this kind of injury may be entitled to compensation.

    A slip and fall can occur on private, public, or commercial property.  If you have suffered an injury due to a neighbour’s icy driveway, the parking lot at work, or the pavement outside of a restaurant, it is possible that you have a slip and fall case that can be legally pursued.  Commercial property owners in particular have a responsibility to keep their properties safe for the public.  If a property owner fails to maintain safe conditions outside his or her establishment, they can be held responsible for compensating those injured due to their negligence.  If you think you may have a slip and fall case, the first thing to do is to contact a personal injury lawyer who can help you identify the key aspects of your case and can help you determine if your situation can be legally pursued.  Your lawyer will collect evidence, speak to the property owner, and possibly interview witnesses of the event, which will help to strengthen your case.

    Walking in Toronto can be a dangerous endeavor during the winter, especially since we can sometimes get rain, snow, hail and extreme temperatures during our winter months.  These weather factors can create the ideal conditions for a slip and fall so be careful when you’re out walking your dog, pushing a stroller or meeting friends outside a cafe.  In the event that you suffer a slip and fall, think about contacting a lawyer and finding out if you may be entitled to financial compensation.

     

    What do I do after a slip and fall accident on municipal property?

    During the winter after an ice storm, or rapid temperature drop, slip and fall accidents are a common occurrence.  However, a question that arises is how to properly go about reporting the accident when it is on municipal property.

    When an Toronto slip and fall accident occurs on municipal property you have 2 years to file a claim. However, there can be shorter notice periods. You need to file a notice with the municipality indicating you were hurt and that there is a possibility of a claim. You should do this before anything else.

    Watch as Lianne Laing and Brenda Hollingsworth answer a caller’s question about a slip and fall accident on municipal property and the right course of action to take on CTV Morning Live.

     

    Can I file a claim for a pelvis fracture after a slip and fall accident?

    A fractured pelvis is very debilitating.  Because the pelvis houses so many internal organs, pelvic fractures can result in significant internal bleeding. The pelvis is also vital in daily activities such as walking, running and biking, but when it is fractured, mobility is severely limited.

    For the elderly, the most common cause of a pelvic fracture is a slip and fall.  For younger folks, the pelvis must be directly impacted by a strong force in order to fracture. Car and motorcycle accidents are leading causes of pelvic fractures because there is such a strong force created when two cars collide at high speeds.

    The pelvis is composed of three bones that are connected at the base of the spine by connective tissue.  The pelvis is the structure that connects the lower body to the legs.

    Check out this video which demonstrates the triage sequence for a patient where a pelvic fracture is suspected.

    If you have suffered a pelvic fracture in an accident caused by someone’s negligence, you may have a serious claim for damages.  Contact a personal injury lawyer for more information about your claim.

      100% Free Case Review
      Speak with a lawyer directly.
      Learn what steps you can take next.
      1-888-574-4529
      You do not need any documents or medical records on hand for this call.
      No fee, and no commitment.

      Case Type*

      Did you suffer any physical, psychological, or cognitive injuries?*

      Did your accident occur in Ontario?*

      This site is protected by reCAPTCHA and the Google
      Privacy Policy and Terms of Service apply.

      By submitting this form, you agree to receive follow-up communications pertaining to your inquiry, and marketing emails. Information submitted will be transmitted to a law firm. This communication is intended to be an attorney-client communication for purposes of evaluating your claim and will be kept confidential by the law firm. The communication does not create an attorney-client relationship and no relationship is formed until a fee agreement is signed by you and the law firm. Our privacy policy can be found here.



      Answering your Questions about Toronto Long Term Disability Denial

      If you have been injured or are sick and can no longer do your job, long-term disability benefits can be essential to your family’s well-being. The very last thing you want on your mind when you’re dealing with injury or illness is how you’re going to support those who count on you financially. Long-term disability benefits allow you to make your medical recovery your number one focus.

      The world of long-term disability can be overwhelming and confusing when you are trying to figure out what you’re entitled to, while also facing health challenges. We are going to answer some of your basic questions in this article.

      What is the difference between long-term disability and short-term disability?

      First, the amount of insurance coverage and the length of your coverage depends on the specific insurance plan for policy that you have purchased. If you were part of a group disability plan through your employer, your employer will have selected whether or not to provide both long-term disability and short-term disability.

      What is short term disability?

      Short term disability (STD) is insurance that covers part of your salary for a limited duration. A typical percentage is 70% although it can be higher or lower than that amount. A typical duration is between 16 and 24 weeks. However, some policies have short term disability for a full year.

      In Ontario, some employers rely on the Employment Insurance (EI) program through the federal government for their short term disability. Employment insurance sick leave may provide up to 15 weeks coverage.

      What is long term disability?

      Long-term disability benefits typically start after short term disability or EI benefits run out. If you are not able to return to work during the time stipulated in the short term disability policy or the 15 weeks of EI benefits,  your long-term disability benefits may kick in.

      Long term disability may last two years, or to a fixed date. Most often long-term disability lasts until you turn 65,  as long as you continue to meet the disability test.

      The amount that your long-term disability insurance company pays you may be reduced by other sources of disability income. For example, your long-term disability insurance company might require that you apply for Canada Pension Plan Disability benefits or WSIB benefits. If you qualify for those benefits, they will be subtracted from the amount your long term disability insurance company pays.

      Who receives long term disability?

      In order to receive long-term disability insurance, you must have a policy in place at the time that you are injured or become ill.

      Either, you are employed by a company that has purchased a group insurance policy or you have personally purchased a disability policy on your own. Every disability insurance plan has specific disability requirements that determine if you qualify for disability benefits.

      In other words, whether you are going to have coverage depends on the fine print in the policy available to you. There are many different definitions for disability depending on the policy you or your employer purchased.

      Is my condition covered by LTD?

      Typically long-term disability insurance covers a broad range of conditions spanning from traumatic brain injury to broken bones or cancer. There may also be coverage for mental health issues such as depression or anxiety. In most cases the policy will cover you As long as you are totally disabled as defined by your insurance policy. That means you are unable to perform your duties at work or elsewhere.

      Do you have a pre-existing condition?

      If you have a pre-existing condition at the time you enter into your long-term disability insurance agreement with the insurance company, coverage for disability that is caused by that pre-existing condition might be excluded. In order to know whether that’s the case it is necessary to look at the specific wording of your policy. Pre-existing conditions generally include any physical mental or emotional condition that prompted you to see a medical professional for treatment before you obtained coverage. Common pre-existing Conditions include arthritis, depression or anxiety, asthma or cancer.

      What does own occupation, or any occupation mean?

      Many disability insurance policies distinguish between “any” occupation and “own” occupation. Typically, when you first apply for disability benefits you only have to demonstrate that you are in capable of performing your own occupation, that means the job that you are currently doing at the time that you become disabled.

      However, many disability insurers have a new test for disability after a certain length of time, commonly two years. After that time elapses, you may only be entitled to long-term disability benefits if you cannot work at any job whatsoever for which you are suited. Many people who receive long-term disability after an illness or accident face a challenge at the two-year mark when they must prove that their condition prevents them from doing any reasonable occupation. Very often, our law firm sees denials at this stage.

      How can Auger Hollingsworth help with your long-term disability?

      Our injury law firm has helped many clients like you obtain long-term disability benefits after an insurance company has denied or terminated benefits. We have a successful track record and our clients our highly satisfied with our long-term disability services. If you would like to know whether we can help with your long-term disability denial, please reach out to us for a no obligation free consultation. We will listen to your story and read your long-term disability policy to help understand your rights and entitlements. If you’ve been denied improperly, we can describe what we will do to get your benefits reinstated or to get you a lump sum settlement in appropriate cases.

        100% Free Case Review
        Speak with a lawyer directly.
        Learn what steps you can take next.
        1-888-574-4529
        You do not need any documents or medical records on hand for this call.
        No fee, and no commitment.

        Case Type*

        Did you suffer any physical, psychological, or cognitive injuries?*

        Did your accident occur in Ontario?*

        This site is protected by reCAPTCHA and the Google
        Privacy Policy and Terms of Service apply.

        By submitting this form, you agree to receive follow-up communications pertaining to your inquiry, and marketing emails. Information submitted will be transmitted to a law firm. This communication is intended to be an attorney-client communication for purposes of evaluating your claim and will be kept confidential by the law firm. The communication does not create an attorney-client relationship and no relationship is formed until a fee agreement is signed by you and the law firm. Our privacy policy can be found here.


        Next article >>

        Is there a Difference between Short Term and Long Term Disability?

        After a disabling injury or a serious illness, many clients find it hard to fulfill their job responsibilities. In that situation disability benefits provide income replacement and peace of mind while you pursue your recovery.

        Many Ontario employers offer group disability insurance plans. But very few employees actually read through their disability policy or understand the nuances of what those policies provide. The only time most employees think about their disability policies is when they have in fact become disabled.

        When will you use short term disability?

        If you are hurt or sick, you will usually start by using up your sick days. Maybe your employer provides only the sick days under the Employment Standards Act. Maybe your employer provides a certain amount of paid sick leave above that Act. In either situation, once those paid sick days are gone you will look to see what your options are if you can’t return to work. If your company offers short term disability, or if you have purchased a disability policy yourself, you will look to your short-term disability benefits to cover your income.

        Different policies provide for a different duration for short term disability and a different percentage of the person salary. It is not uncommon to see a percentage ranging from 65% of a salary to 75%. Occasionally you will see a policy with a percentage that is higher or lower.

        Some employers do not offer short term disability insurance. Instead, employees will rely on Canada’s Employment Insurance for 15 weeks of EI medical benefits.

        What if I am denied STD?

        If you are denied short term disability under a group policy or an individual policy, you should consider contacting a lawyer. If your medical situation continues beyond the time when you can self-fund, and you do not get legal advice, you may find yourself in difficult a situation where you have no recourse.

        Long Term Disability

        After a certain period that will be specified in the disability policy (contract), if you still cannot work you will apply for long-term disability. Again, long-term disability benefits typically provide a percentage of your earnings.

        Often, there will be an initial entitlement for up to 24 months when you were unable to do the specific job that you had at the time you were injured or became ill. In your policy this might be referred to as “own occupation” coverage. This is where the insurance covers you for your own job. Many policies change the test for disability after 24 months on long-term disability benefits. The definition will change from your own occupation to “any occupation”.

        After the 24 months, the employee will have to prove that they cannot do any occupation for which they are otherwise suited. Every policy is unique and looking at the exact definition of disability in your specific policy will be important.

        How can a lawyer help?

        Once an insurance company decides to deny short term or long term benefits, it will be difficult to change their minds without a lawyer’s help. Insurance policies are complex. Plus, you are injured or suffering from an illness and your energy will be better spent focused on recovery.

        A personal injury lawyer who has a focus on long-term disability or short-term disability can ease your burden significantly. We can help you understand your policy and your rights under that policy. If you have been denied benefits, we can help you make a strong claim and increase your chances of getting approved.

          100% Free Case Review
          Speak with a lawyer directly.
          Learn what steps you can take next.
          1-888-574-4529
          You do not need any documents or medical records on hand for this call.
          No fee, and no commitment.

          Case Type*

          Did you suffer any physical, psychological, or cognitive injuries?*

          Did your accident occur in Ontario?*

          This site is protected by reCAPTCHA and the Google
          Privacy Policy and Terms of Service apply.

          By submitting this form, you agree to receive follow-up communications pertaining to your inquiry, and marketing emails. Information submitted will be transmitted to a law firm. This communication is intended to be an attorney-client communication for purposes of evaluating your claim and will be kept confidential by the law firm. The communication does not create an attorney-client relationship and no relationship is formed until a fee agreement is signed by you and the law firm. Our privacy policy can be found here.