Our Newsletter

We are very excited about our firm’s ongoing success. We are continuing to grow with more lawyers and support staff joining us …read more
We are delighted to announce that Rose Leto has been offered Partnership with our firm. Congratulations Rose, we look forward to your many years of continued success …read more
Called to the bar in 1970, Gary Neinstein has been practicing almost exclusively in personal injury law from the start. He has always been a champion for the underdog. He has fearlessly advocated for survivors of trauma, and earned a reputation as a tenacious trial lawyer…read more
Greg Neinstein chaired another successful event. On June 14, 2012, legal and rehabilitation professionals, caregivers, family and friends gathered to raise awareness of brain injury by participating in the 8th Annual Mix and Mingle for Brain Injury…read more
We are proud to announce Stacy Koumarelas as the newest partner at Neinstein. Stacy has established herself as a diligent lawyer, skilled negotiator and dedicated mentor…read more
As the year ends, we wish for you and your family much health and happiness. May you have a festive season and great success in the New Year…read more
Once again, the Liberal government has quietly, without any input or debate from various stakeholders, such as plaintiff lawyers, health care providers and above all accident victims passed legislation that radically changes and restricts our clients’ ability to claim Attendant Care and Medical & Rehabilitation Benefits…read more
In “Brown and Commonwell Mutual Insurance Group”, the insurer demanded 5 in person assessments in response to our client’s application for catastrophic benefits (OCF­19). Greg Neinstein and Sebastian Gallagher rejected this approach and stated that this was a legal test…read more
This year’s holiday initiative was inspired by the spirit of doing a Mitzvah, the Hebrew word meaning a good deed or an act of human kindness. The idea was simple: to spread warmth to those who would be needing it most this season…read more
Neinstein LLP is excited to announce that Duncan Embury has joined the partnership and will be heading our Medical Malpractice Group…read more
Once again, Neinstein LLP is honoured to be nominated by Canadian Lawyer Magazine as one of Canada’s Top 10 Personal Injury Law Firms. This survey highlights firms from across Canada who have showed exemplary service throughout the years…read more
Yesterday, Finance Minister Charles Sousa announced further restrictions to Accident Benefits coverage in Ontario…read more
The Ontario government is proposing reducing accident benefits. Victims of a car accident will face more suffering if the Ontario government’s changes to cut auto insurance benefits are made…read more
Neinstein is proud to announce our partners recommended by the Canadian Legal Lexpert Directory…read more
Neinstein LLP wishes you a warn holiday seasons and a prosperous New Year…read more
Neinstein Personal Injury Lawyers is excited to announce the launch of our new website! We are very proud of our team of lawyers and the quality of work that we provide.…read more
Neinstein Personal Injury Lawyers is proud to announce that Gary QC., Greg, and Jeff Neinstein, and Duncan Embury have been voted into the 2016 edition of the prestigious Canadian Legal Lexpert Directory.…read more

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Ontario feels good about auto insurance reforms. Do drivers and accident benefits lawyers agree?

Photo credit: George Socka/Wikimedia Commons

Photo credit: George Socka/Wikimedia Commons

On September 23, the Insurance Bureau of Canada (IBC) issued a press release congratulating the Government of Ontario for ‘continuing to make auto insurance reforms a priority.’

“The government’s continued focus on auto insurance reforms builds on the progress already made and shows a strong commitment to helping Ontarians keep more of their hard-earned money for other household priorities,” said IBC President and CEO Don Forgeron, in the release. “Insurers look forward to continuing to work with Premier Wynne, her government, and all MPPs to best serve the consumers of this province while making their lives more affordable.”

Also on September 23, the Ontario government released its ministers’ mandate letters, which ‘direct the new cabinet and their ministries to work together to deliver more inclusive growth, with measures that will help people in their everyday lives,’ according to a provincial release.

In her letter to Minister of Finance Charles Sousa, Premier Kathleen Wynne asks for ‘recommendations for further improvements and reform to the [auto insurance] system to pass on savings to consumers while reducing costs and ensuring accident victims get the care they need.’

Together, the IBC release and provincial mandate letters suggest Ontario’s auto insurance system is benefiting insurance providers and consumers alike. But is this an accurate representation? Would a survey of accident victims and accident benefits lawyers come to the same conclusion?

Does Ontario’s auto insurance and accident benefits system help injury victims?

Though the Province of Ontario has been working since 2013 to reduce auto insurance rates, its efforts have not, thus far, offered much hope to consumers. On June 1, 2016, the province moved forward with its promise to cut rates, but in doing so substantially reduced available benefits as well.

According to Canadian Underwriter, coverage for “medical and rehabilitation for non-catastrophic injuries were combined and reduced to $65,000 in total from $50,000 and $36,000, respectively,” and “medical and rehabilitation for catastrophic injuries and attendant care for catastrophic injuries were combined and reduced to $1 million in total, from $1 million each previously.”

As we have discussed before (along with numerous victims’ rights advocates and personal injury and accident benefits lawyers), cutting the benefits available to accident victims is problematic. However, the issue is compounded by the fact that premiums do not appear to have dropped in any meaningful way. On September 10, the Toronto Sun’s Alan Shanoff reported that “our brief flirtation with premium decreases is in grave danger of being replaced with premium increases.”

Shanoff cites figures released by Financial Service Commission Ontario (FSCO), which show that after a roughly three per cent average decrease in insurance rates during the first quarter (Q1) of 2016, rates actually grew by 0.33 per cent in Q2. RBC General Insurance and TD General Insurance, in particular, filed rate increases of 3.7 per cent and 3.07 per cent, respectively, Shanoff writes.

“It seems the public has paid a stiff price for the promise of premium reductions,” Shanoff concludes. “That promise, or stretch goal, has resulted in reduced benefits, lower negligence awards, the taking away of the right to sue for accident benefits and now, higher premiums.”

Thus far, the government of Ontario has struggled to secure a better deal for accident victims. However, reforming the province’s auto insurance system is a complex, large-scale operation, and Ontario’s accident benefits lawyers and victims’ rights advocates will be carefully watching the process to ensure it’s done right.

If you or a member of your family has suffered a serious injury as a result of a motor vehicle accident, contact Neinstein Personal Injury Lawyers today. Our accident benefits lawyers can help you access the compensation you need to facilitate your recovery.

How medical evaluations impact Ontario’s insurance and accident benefits systems

Photo credit: maveric2003/Flickr

Photo credit: maveric2003/Flickr

In 2006, it was revealed during testimony for Macdonald v. SunLife Assurance Company of Canada that a doctor’s medical report had been rewritten by the clinic which had brokered it on SunLife’s behalf. Ten years later, not much has changed, and Macdonald is a familiar touchstone in arguments against Ontario’s troubled auto insurance and accident benefits systems.

Independent medical evaluations (IME) are common in insurance claims lawsuits. In an ideal world, medical experts would be brought in to provide unbiased evidence on the accident victims’ injuries. But according to Toronto lawyer Loretta Merritt, procuring a genuinely impartial medical evaluation has become a costly and complicated endeavor, and assessment clinics are part of the problem. read more…

Organizations we support

Personal Injury Lawyers Toronto - West Park Healthcare Centre Logo - Neinstein
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