Top Reasons Insurance Companies Deny Disability Claims
Let’s cut right to the chase. That denial letter in your hands isn’t just a “no.” It’s a tactical move in a high-stakes financial game. In Ontario,
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PERSONAL Injury and Disability Lawyers BASED IN TORONTO, Ontario
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In Ontario, personal injury law is governed by a combination of statutes and common law principles, including the Negligence Act, the Insurance Act, the Occupiers’ Liability Act, the Limitations Act, and Ontario’s Statutory Accident Benefits Schedule (SABS). These laws determine when a person or organization may be held legally responsible for injuries, how claims are brought, and the types of compensation that may be available.
To succeed in a personal injury claim, the injured party must prove that the defendant owed a duty of care, breached that duty, and directly caused the injury. This framework applies to a wide variety of cases, such as motor vehicle accidents, slip and fall incidents, and medical malpractice.
The law also sets strict limitation periods for filing a lawsuit, making the need to act timely vital. Damages awarded can include compensation for medical expenses, lost income, rehabilitation, and pain and suffering.
Working with experienced Ontario personal injury lawyers at Mirian Law Firm ensures your case meets all legal requirements and is positioned for the best possible outcome.
Types of Accidents We Handle
Mirian Law Firm’s personal injury lawyers are highly experienced and dedicated to fighting your disability insurance denials. We focus on resolving legal issues related to serious problems such as long term disability, personal injury, accident benefits, and tort claims.
When you are disabled or injured, recovery should be your first priority, and our lawyers can help you achieve this.
Whether you have suffered from a slip and fall accident, car accident, spinal cord injury, dog bites, denied disability insurance, or long term disability, we’re here to win your case or no fee.
Our team has the expertise required to challenge insurance companies and ensure that you receive the benefits and compensation you are entitled to.
At Mirian personal injury law firm, we provide services in multiple languages, including, Farsi, Dari, Arabic, Cantonese, and Mandarin. We are a law firm that is truly dedicated to our community and experienced in disability and personal injury law.
For more information regarding how our legal team can help you following an insurance claim denial or an accident, contact us today to speak to our lawyer during a free, no-pressure consultation.
- Free initial assessment of your case
- No cost until the case is settled or won
- Fluency in multiple languages
- Availability for hospital and home visits
- Availability for evening and weekend appointments
How a Personal Injury Lawyer Can Help After an Injury in Ontario
Comprehensive Case Investigation
We conduct a detailed review of your accident, including gathering police reports, medical records, witness statements, and other critical evidence. This thorough approach helps us build a strong case against insurance companies or negligent parties who might otherwise minimize your claim.
Accurate Damage Assessment
Injuries often lead to ongoing expenses and long-term impacts. We carefully evaluate all damages, including current and future medical costs, lost wages, rehabilitation, and pain and suffering, to ensure your claim reflects the true extent of your losses.
Effective Insurance Negotiation
Insurance companies frequently try to limit payouts or rush settlements. Our lawyers handle all communications, advocating vigorously on your behalf to secure fair compensation while protecting you from unfair tactics.
Trial-Ready Representation
While many claims settle outside court, some require litigation. If necessary, our Ontario injury lawyers are prepared to take your case to trial, presenting compelling arguments to ensure your rights are fully protected.
Focused Support Throughout Your Recovery
Managing legal processes while healing can be stressful. Our team at Mirian Law Firm takes care of deadlines, paperwork, and negotiations, allowing you to concentrate on your recovery without added pressure.
Types of Injuries We Handle
Traumatic Brain Injuries (TBI)
Spinal Cord Injuries
Broken Bones and Fractures
Soft Tissue Injuries (sprains, strains)
Burns and Scarring
Psychological Injuries (PTSD, anxiety)
How to Begin Your Personal Injury Claim
Step 1
Contact Mirian Law Firm for a Free Consultation
Reach out as soon as possible to discuss your accident details. Our experienced Ontario personal injury lawyers will evaluate your case, answer your questions, and explain your legal options without any upfront fees.
Step 2
Gather and Preserve Important Information
Collect evidence such as photos of the accident scene, medical records, police reports, and witness contacts. This documentation will be vital in building a strong case, and our team will assist you in identifying and securing key details.
Step 3
Follow Medical Advice and Keep Records
Seek immediate medical attention and follow your healthcare provider’s recommendations. Keep detailed records of your treatments and recovery progress, as this information is critical for proving the extent of your injuries in your claim.
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What to Expect When Filing a Personal Injury Claim
Let’s be honest — nobody plans to get hurt. One minute you’re walking into a store, driving home from work, or riding your bike on a sunny afternoon… and the next,
وکیل تصادفات تورنتو: راهنمای جامع برای انتخاب بهترین وکیل
بعد از یک تصادف رانندگی در تورنتو، اغلب آدمها در شوکاند. بدن درد میکند، ذهن آشفته است، تلفنها یکییکی زنگ میخورند و شرکت بیمه با لحنی آرام اما حسابشده شروع به سؤالپرسیدن میکند.
- Medical Records: Documentation from doctors, specialists, hospitals, and therapists showing your injuries and treatments.
- Accident Reports: Police or incident reports that provide official accounts of what happened.
- Photographs and Videos: Clear images of the accident scene, hazardous conditions, and your injuries.
- Witness Statements: Contact details and written or recorded accounts from anyone who saw the accident or aftermath.
- Communication Records: Emails, texts, or letters exchanged with insurance companies or involved parties.
There is no fixed average payout because compensation depends on factors such as injury severity, fault, economic losses, and long-term effects. Minor injuries might settle for a few thousand dollars, while severe or catastrophic injuries can result in settlements exceeding six figures. Mirian Law Firm carefully evaluates your unique situation to pursue a settlement that reflects your actual damages, including medical costs, lost wages, and pain and suffering.
- Delaying Medical Treatment: This can raise doubts about injury severity.
- Failing to Report the Accident: Not notifying the proper authorities or property owners promptly harms credibility.
- Providing Recorded Statements Without Legal Advice: Insurance adjusters may use these statements to minimize claims.
- Missing Legal Deadlines: Ontario law limits how long you have to file a claim to two years.
- Ignoring Evidence Preservation: Not photographing the scene or keeping damaged clothing may hurt your case.
Yes. If you have been injured due to someone else’s negligence, pursuing a personal injury claim is often the only way to recover costs related to medical care, lost income, rehabilitation, and compensation for pain and suffering. Without a claim, you may be left covering these expenses alone. Mirian Law Firm helps evaluate your claim’s value and guides you through the process to ensure fair compensation.
Disabilities with subjective symptoms, such as chronic pain syndromes, fibromyalgia, or certain mental health conditions, are often the hardest to get approved due to a lack of objective diagnostic tests. These cases require extensive medical documentation, specialist assessments, and detailed proof of functional limitations.
Disabilities with clear, objective medical evidence are generally the easiest to get approved. Examples include amputations, total paralysis, blindness, or severe mobility impairments confirmed by diagnostic tests and specialist reports. Mirian Law Firm helps clients gather thorough medical documentation to strengthen such claims.
To prove disability in Ontario, you need comprehensive medical records detailing your diagnosis, treatments, and ongoing limitations. This includes:
- Doctor’s reports and specialist assessments
- Test results (MRI, X-rays, etc.)
- Records of hospitalizations and surgeries
- Documentation of how your disability affects daily activities and your ability to work
While not legally required, having a personal injury lawyer greatly improves your chances of obtaining fair compensation. At Mirian Law Firm, our experienced personal injury lawyers manage all aspects of your claim to protect your rights throughout the process.
The best lawyers will have a strong track record of successful settlements and verdicts, as well as positive client feedback. Transparency about fees and clear communication are also key. At Mirian Law Firm, we pride ourselves on combining deep expertise with a client-focused approach, ensuring each case receives the attention and dedication it deserves.
Start by scheduling a free consultation to discuss your case in detail. Prepare all relevant documents, including accident reports, medical records, and insurance information, to give the lawyer a clear picture.
Personal injury cases take between 6 months and 2 years to settle, depending on factors such as injury complexity, liability disputes, and whether the case proceeds to court. Mirian Law Firm’s lawyers strive to resolve claims efficiently without sacrificing thoroughness.
For your free consultation at Mirian Law Firm, bring:
- Details of the accident or injury (date, location, circumstances)
- Medical records and treatment history
- Police or incident reports, if available
- Insurance information (your own and the other party’s)
- Contact details of any witnesses