Aggravated damages explained.

The Supreme Court of Canada decision in Fidler vs. Sun Life, released on June 29, 2006, clarified the legal principles for awarding aggravated damages in Canada. Facts of the Case Ms. Fidler was a bank receptionist who, at the age of 36, became ill and was eventually diagnosed with chronic fatigue syndrome and fibromyalgia. She began receiving LTD benefits from Sun Life in 1991. The benefits were terminated in 1998, based to a large extent on video surveillance which Sun Life felt detailed activities inconsistent with her claim that she was incapable of performing light or sedentary work....

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Structured settlements explained.

In larger personal injury claims, a structured settlement may be available to you. You must negotiate the structured settlement before judgment or during the settlement process. After judgment, the option of a structured settlement is no longer available. A structured settlement, in simple terms, is an annuity purchased at the time of the settlement, which provides a stream of income over a certain period of time. The significant advantage to a structured settlement is that you receive a certain stream of income tax-free over a given period of time. Also, the principal of the investment and...

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Can social media hurt my insurance claim?

In recent times, social media websites like “Facebook”, “Blogger”, and “Myspace” and “Twitter” have become an excellent source for insurance companies to investigate claimants. When you post something on these social media websites, the world can look at what you have posted. For example, you may mention, on a social media site that you went on a trip, hiked a mountain, went on a skiing trip, enjoyed socializing with your friends, etc. In so doing, the insurer will likely find out this information and use it against you. Imagine if the insurance company downloads some photographs of you...

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When should I settle my ICBC claim?

The question of when to settle your ICBC claim is one of the biggest decision you will make. There is no easy answer and will depend largely on the facts involved in your ICBC claim. ICBC will often attempt to settle your claim very soon after the accident. It is to ICBC’s benefit to close files early and save administrative costs. Also, the earlier you settle the ICBC claim, the less ICBC generally pays. Once you settle your claim you will not be entitled to any further compensation from ICBC. This is because, as part of your settlement, ICBC will ask that you to sign a final Release that...

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What if I’m the victim of a hit and run?

You should obtain legal advice immediately in the case of a hit and run accident. You may have a hit and run claim for damages against ICBC under your own insurance policy or the policy of a member of your household, but you must strictly comply with the conditions of your insurance policy. These conditions were created in an effort to avoid fraudulent hit and run claims. For filing hit and run claims, you must make “all reasonable efforts” to ascertain the identity of the unknown driver and owner. A judge or jury is ultimately responsible for deciding whether or not you made...

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