A court won’t force a plaintiff to give “consent”.

On June 27, 2016, a master of the BC Supreme Court found that it is not appropriate for a Court to order a plaintiff to sign a consent form when attending a court ordered independent medical exam. In Gill v. Wal-Mart Canada Corporation, 2016 BCSC 1176, the plaintiff sued the defendant for personal injuries after a slip and fall incident.  In the course of the lawsuit the plaintiff agreed to be examined by a physician of the defendant’s choosing but refused to sign a consent form the physician required.  The defendant asked the Court to order the plaintiff to sign the form; the application...

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Insurer may be a party to a tort claim.

On June 22, 2016, a judge of the BC Supreme Court held that a plaintiff’s insurer may be added as a party to a tort action where the tortfeasor’s insurance limits will likely be insufficient, and the plaintiff intends to seek compensation under its insurer’s “underinsured” liability coverage. The case, MacPherson v. White, 2016 BCSC 1151, arose out of a head-on collision between two motor vehicles; one driven by the plaintiff Joseph MacPherson, the other was driven by the defendant, Dallas White. The plaintiff suffered serious injuries in the accident, and the defendant’s...

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Why an insurer may ignore a treating doctor’s opinion.

Many people, as well as their doctors, believe that when they file a claim for  disability benefits their disability insurance company has to accept the medical professional’s opinion that they are disabled.  Common sense suggests this is a reasonable assumption – but it couldn’t be further from the truth.  Why? Because many insurers simply do not want to pay disability claims and, when armed with discretionary language in the policy, the insurer has the final say as to who is “disabled”, not the treating doctor. Making matters worse is the fact that the insurance company is...

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Reducing work hours may imperil disability coverage.

Many people who are struggling to work due to an acute unexpected medical condition do not have the opportunity to prepare or plan for filing a short and or long term disability claim.  My experience is that most people who eventually file disability claims have chronic medical conditions which have been ongoing for months and even years. During this difficult period disabled people often find themselves engaged in an heroic effort to continue working.  People engage in this long battle for many reasons, one is often financial, and the other is simply their own credibility – they like...

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Use social media at your peril.

On June 7, 2016, a judge of the BC Supreme Court rejected claimed damages in a personal injury lawsuit due, in part, to concerns about the plaintiff’s credibility arising out of Facebook photos entered as evidence at trial. In Brennan v. Colinders, 2016 BCSC 1026, the plaintiff was involved in a 2012 motor vehicle accident for which the defendants admitted fault. The plaintiff claimed that the accident caused chronic problems which continued up to the time of trial. The judge rejected this claim, finding that the collision-related injuries had resolved. In awarding $20,000 in non-pecuniary...

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