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 [...]

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 [...]

After a collision, drivers may give very different accounts of what happened. When drivers disagree, witness evidence can become important.Passengers are often in a position to explain what they saw before the crash. Their witness statements may help show how the accident occurred, especially when there are no third person witnesses nearby. The Transportation Safety Board of Canada recognizes that witness accounts can help explain how events unfold during an investigation. At McNally Gervan, we can offer legal assistance for motor vehicle claims where passenger evidence, photographs, medical records, and insurance records all need to be reviewed together. The following guide will [...]

There is no set payout for a car accident claim in Ontario. The amount depends on the type of claim, the injuries involved, the medical evidence, and the insurance coverage available. At McNally Gervan, we help clients look at both sides of an Ontario car accident claim: accident benefits available through their own policy, and, where the facts support it, a civil claim against the at-fault driver. The right answer depends on the legal framework that applies to the case. How Much Money Can You Get After a Car Accident in Ontario? There Is No Fixed Settlement Amount Ontario law [...]

In Ontario, reporting a motor vehicle accident is governed by the Highway Traffic Act and applies once specific conditions are met. The province outlines the process through its collision reporting process in Ontario, including where and how a report must be made. Failing to report when required is an offence with direct legal and financial consequences. At McNally Gervan, we help clients understand when reporting becomes mandatory and how that missed step can affect an insurance matter or injury claim. When Reporting a Car Accident Is Required in Ontario In Ontario, reporting a car accident is required when the combined [...]

When a car breaks or is heavily damaged  in a car accident, transportation can immediately become a problem. Work, medical appointments, and everyday responsibilities continue, even while insurance questions remain unresolved. Many drivers look to their insurance company for guidance on rental cars at this stage, only to find that the answer is not clearly explained.  At McNally Gervan, we understand that “am I entitled to a rental car after an accident” is one of the first questions clients have in major motor vehicle accident claims. General explanations, such as Enterprise Canada’s overview of rental coverage and loss-of-use insurance, can [...]