If you are advancing an injury claim in Ontario, your insurance company or the insurance company for the at-fault-party will probably demand that you attend anIndependent Medical Examination also referred to as the IME. You will have no real choice here. If you decide not to attend the IME, the insurance company will cut-off benefits on the basis that you have failed to participate in the examination. If you do attend, there is high likelihood that the assessing physician will write a report in favour of the insurance company, which will then support a denial of your claim. You might be thinking that an impartial doctor should be involved to help resolve disputes between the victims and insurance companies. You would be right in such an assessment - the problem, however, is that the physicians conducting the IME are not independent and certainly not impartial.
The term for the assessment is designed to mislead and give the impression that the victims are to be examined by an independent physician or medical provider that will give an impartial and fair assessment of injuries. In reality, however, there is absolutely nothing independent about the IME or the physician conducting the IME. In fact, the physician chosen to assess you is typically handpicked by the insurance company and is paid handsomely by the insurance company. Most of these physicians perform the IME on contract for an assessment company that is in business to do IME work on behalf of the insurance industry. These are for-profit businesses that specifically service the large insurance companies. The physicians earn thousands of dollars to regularly assess accident victims and write reports for the insurance company.
As an Ontario personal injury lawyer, I regularly see the same doctors time and again doing assessments and reports on behalf of the insurance companies in Ontario. Time and again these doctors write predictable reports entirely favourable to the insurance company. Routinely, the insurance companies deny claims on the basis of the medical opinion from their handpicked doctor, all while entirely ignoring the opinions of the involved treating doctors, such as family doctors and specialists. The IME physician will generally only see the victim for at-most one hour, and never establish an physician-patient relationship. Most of the assessment is conducted by way of an interview. In the end, the IME doctor will likely disagree with opinions of specialists and family doctors that have been treating the victim for months and sometimes years. It is truly mind boggling that an insurance company is allowed to entirely ignore the opinion of the front-line doctors who are actually involved in the patient's care and, instead, defer to the opinions of a doctor of their choosing. It happens every single day in Ontario.
If your insurance company is asking you to attend an IME, you should have an experienced injury lawyer on your side. For a FREE CONSULTATION call us toll free at 1-866-234-6093 or complete our online contact form here.
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Wondering what your rights are if you have been injured in a car accident caused by a hit-and-run driver? All accidents are stressful, but hit-and-run accidents can be far more difficult, especially where serious injuries occur. Rest assured, however, because an experienced Ontario injury lawyer can help you obtain the insurance coverage you are legally entitled to receive.
As an injury and car accident lawyer, we regularly encounter hit-and-run accidents, or other scenarios where insurance coverage may be limited. Even in hit-and-run accidents, it is often possible to recover adequate compensation for your losses. This often involves claims for unidentified motorist insurance coverage. To learn more about how we can help you and your family following a hit-and-run accident, call us for a FREE CONSULTATION at 416-900-1070 or complete our contact form here. We help the seriously injured throughout Ontario and we may be able to help you.
Today, I was driving on a residential road in Richmond Hill and observed a sign reminding drivers to share the road with cyclists, similar to the sign in this post. It got me wondering, do these signs actually work? Do drivers take notice of these signs and pay more attention to cyclists? I hope so, but I really don't know. The area where I saw this sign, was in a residential subdivision. As such, there are likely many children in the area. I would hope that drivers would automatically drive more cautiously in subdivisions without the necessity of a sign reminding them that bikes could be sharing the road. Doesn't common-sense tell you that you should drive slower in residential areas? Not for everyone, unfortunately. Today, as I was driving along this residential road called Tower Hill Road in Richmond Hill, I saw a driver in a white Audi SUV speeding through the area and even passing another car ahead of it. It was like they were on the highway. I was annoyed, and I was hoping the driver would pull off somewhere, so I could ask them what the hurry was? Why are they driving so fast through a neighbourhood with kids, cyclists and pedestrians? Didn't they see the sign? Wasn't it enough to remind them that this is not the Highway 407?
Anyway, I'd love to know whether you think these signs make roads safer. Leave your comment below and let us know.
Although we had an unseasonably mild December in southern Ontario, the new year brought us some wintery weather. With the snow and ice, also comes a season of slip and fall accidents in Toronto and southern Ontario. There are always a few homeowners and businesses that delay or neglect removing snow and ice from their property. Occasionally, untreated snow and ice can result in a serious injury due to a slip and fall accident. Slip and falls on ice and snow are a major cause of serious orthopedic injuries, including ankle fractures, and broken arms. Sometimes, a slip and fall on ice can lead to a major head injury, with life long consequences. As such, it is important that homeowners and businesses take care to properly treat ice and snow in a timely manner.
If you or a loved one has been seriously injured due to a slip and fall on an icy driveway, you may be wondering whether you have any rights to seek recovery for your losses. In Ontario, it is often possible to obtain compensation for your losses following a slip and fall accident. Most homes and commercial properties are insured for such injuries and claims. In addition to your injury, you have to establish that the premises was not adequately maintained. It is a good idea to take pictures of the area where the slip and fall occurred, and provide these photographs to your lawyer.
It is a good idea to take pictures of the area where the slip and fall occurred, and provide these photographs to your lawyer.
To learn more about your rights if you've been injured in a slip and fall accident due to ice and snow, call our office to arrange for free consultation. We offer prospective clients a confidential consultation, with no obligation. Call us at 416-900-1070 or complete our online contact form here.