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, a staggering number of initial long-term disability claims face rejection—not always because the disability isn’t real, but because of how the insurance company interprets your reality. Aware this distinction is the first, crucial step toward fighting back. This isn’t about charity; it’s a contract, and insurers are adept at using its fine print to protect their bottom line. …

Read More

Most working Ontarian don’t wake up worried about disability insurance. Life feels stable—until it isn’t. An unexpected injury, a medical diagnosis, or a mental health crisis can interrupt your ability to earn income faster than most people imagine.

When that happens, disability insurance becomes less of a policy document and more of a lifeline. Yet many people discover—too late—that not all disability insurance works the same way. The difference between short-term disability and long-term disability insurance is not semantic. …

Read More

Losing someone you love in a fatal car accident is among the most devastating experiences a family can endure. Beyond emotional pain, families face financial pressures, legal complexities, and a confusing maze of insurance rules and court processes. If you find yourself in this position in Ontario, Canada, knowing what steps you can take and what legal rights you have can make an immense difference in your journey toward justice and stability.

The Immediate Aftermath: What Families Face After a Fatal Crash

Right after a fatal collision, …

Read More

No one wakes up expecting their day to end on the side of the road. Yet every year in Ontario, thousands of careful drivers find themselves involved in car accidents they didn’t cause. What follows is rarely straightforward. Pain may be delayed. Insurance calls arrive fast. And suddenly, you’re expected to make decisions that could quietly shape your health, finances, and legal rights for years.

This guide isn’t a checklist copied from policy manuals. It’s written for real people in real situations—those trying to do the right thing after a car accident that wasn’t their fault, …

Read More

When victims pursue personal injury claims in Ontario—whether from car accidents, slip and falls, or other incidents—they often prioritize recovering medical bills and lost wages. These economic damages are crucial, but they don’t capture the full impact of an injury.

Ontario law recognizes non-economic damages, also known as pain and suffering or general damages. These compensate for the physical pain, emotional distress, and reduced quality of life that no amount of money can fully restore. …

Read More

A serious accident can change your life in an instant. When injuries are severe and long-lasting, victims may qualify for a legal designation called catastrophic impairment. This classification dramatically increases the benefits you are entitled to under Ontario’s Statutory Accident Benefits Schedule (SABS)—including significantly higher medical, rehabilitation, and attendant care limits.

But the process is complex, heavily medical, and often contested by insurers.

This guide explains what catastrophic impairment means, who qualifies, and why having an experienced personal injury lawyer matters. …

Read More

Motorcycle riding in Ontario delivers unmatched freedom and thrill on scenic highways like those around Lake Superior or through the Highlands. However, it carries significant risks—motorcyclists lack the protection afforded to car drivers.

In 2024, Ontario recorded a tragic milestone with 57 motorcyclist fatalities on OPP-patrolled roads alone—the highest in two decades. Thousands more suffer serious injuries annually. Knowing your rights, preventive measures, and steps after a motorcycle accident in Ontario can safeguard your health, safety, …

Read More

After an accident—whether a car crash, slip and fall, or another incident—many Ontarians hesitate to contact a personal injury lawyer. Common concerns include fears of high costs, a complicated process, or the belief that insurance companies will handle things fairly. However, delaying legal representation can severely limit your recovery and reduce the compensation you deserve.

At Mirian Law Firm, our experienced Ontario personal injury lawyers have helped countless clients secure maximum settlements by getting involved early. …

Read More

If you’ve been injured in a car accident, slip and fall, or another incident in Ontario, you expect your insurance company—or the at-fault party’s insurer—to provide fair compensation. After all, you’ve paid premiums for this protection.

But the harsh reality is that insurance companies often deny, delay, or undervalue personal injury claims to protect their profits. In Ontario, thousands of legitimate claims are challenged every year, leaving victims frustrated and financially strained.

Understanding the most common reasons for personal injury claim denials in Ontario empowers you to protect your rights and build a stronger case. …

Read More