A car accident injury is not always obvious when the collision occurs. Neck pain might appear the following morning, while headaches or difficulty concentrating can develop over the next several days. These delayed symptoms often leave people uncertain about their medical needs and their ability to make an insurance claim. Each year, an estimated 20 million to 50 million people experience non-fatal road traffic injuries worldwide, with many facing lasting disabilities. At McNally Gervan, we help injured people connect the medical evidence to their accident, pursue available insurance benefits and assess potential claims against negligent drivers. Understanding how delayed injuries [...]

After a car accident, the people involved may have different accounts of what happened. One driver might believe they entered an intersection on a green light, while the other driver recalls the signal changing before the collision. Resolving that disagreement requires a careful examination of the circumstances. Understanding how to determine who's at fault in a car accident also means knowing how different legal assessments work. In Ontario, insurance companies assess responsibility using prescribed collision scenarios for damage to the vehicle, while legal responsibility for a personal injury claim is considered separately. At McNally Gervan, we help injured people understand [...]

After a car accident, your attention is usually divided between your recovery and the practical demands of an insurance claim. You may be missing work or attending medical appointments while gathering the information your insurer needs, including a vehicle collision report. When money is already tight, paying for legal advice can feel like another expense you cannot afford. At McNally Gervan, we do not ask clients to pay legal fees upfront. Our car accident cases are handled through contingency fee agreements, which generally make payment dependent on recovering compensation. The final amount reflects the terms of your agreement and the [...]

Rib fractures can make breathing deeply painful and interfere with ordinary activities long after a collision. Many rib fractures heal in approximately six weeks, although more serious breaks can damage a lung or another internal organ. Chest tenderness and pain while breathing are common symptoms that require proper medical assessment. If you have suffered broken ribs, your recovery may affect your ability to work or manage responsibilities at home. At McNally Gervan, we draw on our experience in personal injury law to assess how these consequences may support a compensation claim under Ontario law. How Much Compensation Can You Receive [...]

A sudden jolt in a car accident can do more than leave you shaken. It can place intense stress on your body in ways that are not immediately obvious. One of the more serious injuries that can result is a torn ACL, a key ligament that helps stabilize the knee. Yes, a car crash can cause a torn ACL when impact forces twist the knee, push it beyond its normal range of motion or trap the lower leg while the body moves. An ACL injury occurs when the ligament stretches far enough to tear. Sudden stops and uncontrolled movement can [...]

A car accident can become complicated fast when the other party gives a version of events that is untrue. The injured person may be dealing with pain, missed work, vehicle repairs, and calls from an insurance company as the driver's story starts shaping the file.In Ontario, can you sue someone for lying about a car accident depending on what the lie changed. A false account may affect fault, delay benefits, put the injured person under unfair additional scrutiny, or make settlement harder. After an accident is reported, insurers review the circumstances surrounding the crash and use Ontario’s Fault Determination Rules as [...]

After a serious crash, physical injuries are usually the first concern, but the psychological effects can be harder to name at the beginning. Post traumatic stress disorder (PTSD) is a mental health condition that can develop after a traumatizing event, with symptoms that may include flashbacks, nightmares, severe anxiety, and unwanted thoughts about what happened. At McNally Gervan, we help injured people understand how psychological trauma may fit into an Ontario motor vehicle claim. Because not all injuries from a crash are visible, PTSD claims require a careful look at the medical record, the accident facts, and the practical changes [...]

A car accident can be sudden and completely life altering, bringing medical care, medical expenses, missed work, lost wages, vehicle damage, and insurer calls bursting into your world. Thankfully, legal deadlines and insurance deadlines can add to that stress. The main deadline to start a lawsuit is generally two years from the date the claim is discovered. Insurance claims, however, can require action much earlier.   If you plan to make an insurance claim, contact your insurance company as soon as possible. Many policies set time limits for submitting a claim, often ranging from 30 days to 90 days from the [...]