News & Publications

Boating & Recreational Vehicle Injuries

School’s Out: Play it Safe in Summer

Written by on June 25, 2018.

The Solstice was last week, Summer is here!!! That also means that School ends, and Summer Activities begin. Now, our pools, parks, patios and more are open and ready for enjoyment and gatherings. The increase of outdoor activities means more fun to be had, but also should mean a heightened awareness of best safety practices during outdoor activities like swimming, biking, camping, and other sports. Swimming Safety Swimming is a fun activity the whole family can enjoy, but caution is paramo...

Accident Benefits and Insurance for ATVs and Snowmobiles

Written by on December 06, 2016.

ATVs and snowmobiles can be a source of endless entertainment. However, if you do not take the appropriate steps as the owner and/or operator to protect yourself, they can also be a source of liability or lead to a personal injury that leaves you with no means to pay for your recovery. This article briefly discusses insurance requirements, Statutory Accident Benefits (SABs) and tort claims in the ATV and snowmobile context. The Compulsory Automobile Insurance Act. The Compulsory Automobil...

Automobiles vs Recreational Off-Road Vehicles: Are You Covered by Insurance?

Written by on September 29, 2015.

While riding off-road vehicles such as ATVs, dune buggies, and quads can be lots of fun, they can also lead to serious accidents and injuries.  It is important to know your insurance obligations and to know whether or not you are covered by insurance if an accident occurs while riding an off-road vehicle. What is an automobile? The law makes a distinction between ‘automobiles’ and ‘off-road vehicles’. If your vehicle is considered an automobile, then you are required by law to purchas...

Concussions: No Longer Just “Getting Your Bell Rung”

Written by on April 28, 2014.

A concussion is a traumatic brain injury.  It will most likely occur from a direct or indirect blow to the head, face, jaw, or at the junction of the skull and neck.  Stated otherwise, a concussion is caused by either a direct blow to the head or to another body region resulting in an abrupt acceleration or deceleration of the head and neck.[1] Despite the safeguards that surround it, the skull, the supportive tissue, the membranes, and the fluid, the brain is essentially “floating” wit...

Ready to Roll – Trailer Insurance Basics for the Open Road

Written by on June 22, 2012.

Introduction With the arrival of vacation, cottage and horse show season in Southwestern Ontario, this may be a good time for you to review your insurance policies with your broker. This guide will provide you with a primer on what you need to consider when purchasing an insurance policy for items that you tow; whether boat trailers, live in trailers, recreational vehicles, horse trailers or your standard utility trailer. Keep yourself safe on the road. Make sure you have the required insurance...

Looking for Car Insurance in Ontario? Topics for Speaking with Your Insurance Broker

Written by on May 31, 2012.

We all drive with the hope and misplaced expectation that we will not be involved in a car crash. Unfortunately, a lack of foresight and proper planning can lead to devastating consequences in the event of a motor vehicle accident and you do not have the proper amounts of auto insurance to will protect you and your family while you recover from your injuries. This article will provide you with a primer on auto insurance in Ontario, review the recent changes to the statutory benefits (‘SABS’)...