Category Archives: Articles

Empowering Hope: Kalsi & Associates Champions Cancer Research at Road Hockey to Conquer Cancer 2023

At Kalsi & Associates, we believe in making a difference, not just in legal matters but also in the broader community. This commitment leads us to sponsor the world’s largest road hockey fundraiser, Road Hockey to Conquer Cancer. It is a day filled with shared purpose, unity, and a relentless pursuit of a future without cancer.


On this vibrant weekend, 1,800 enthusiastic participants, including 26 Celebrity Ambassadors, and 1,500 spirited spectators participated at the 2023 Road Hockey to Conquer Cancer event. 


Raising the Bar

The highlight of the event was undoubtedly the astounding $3.15 million raised for lifesaving cancer research. This not only broke previous records but set a new world record for the Road Hockey to Conquer Cancer initiative. It showcased the collective power of individuals and organizations coming together for a cause greater than themselves.


Expressing Gratitude

As an Official Partner of Road Hockey to Conquer Cancer, Kalsi & Associates extends heartfelt gratitude to everyone who contributed to this remarkable achievement. It is the support of dedicated partners that fuels advancements in cancer research at The Princess Margaret Cancer Centre.


Looking Forward to 2024

The success of 2023 has set the stage for an even more impactful year in 2024. Save the date for Saturday, September 28, 2024, as we gear up for another day of sportsmanship and fundraising. For more information please visit


Kalsi & Associates is committed to continuing our support for initiatives that make a difference. Road Hockey to Conquer Cancer is not just a game; it’s a movement, and we are proud to stand at the forefront, championing hope, and working towards a future free from the burden of cancer. Together, we can conquer cancer in our lifetime.

person holding brown leather wallet

What Happens When the At-Fault Driver Wants to Pay Out of Pocket?

Car accidents are disorienting, chaotic events. In the aftermath, accident victims often find themselves grappling with a barrage of concerns – from medical bills and vehicle repairs to insurance claims and legal proceedings. While the at-fault driver’s role in a car accident is typically straightforward, occasionally, they introduce an unexpected twist: an offer to pay for damages out of their own pocket.

This unusual offer raises the question “What happens when the at-fault driver wants to pay out of pocket?” It might sound appealing on the surface – swift compensation, no claims process, and no police involvement; however, this seemingly benevolent gesture can have hidden pitfalls. 

Understanding what this offer means from a legal and insurance perspective is essential to making informed decisions as the accident victim. 


The Offer to Pay: Why Do At-Fault Drivers Do It?

At first glance, it might seem puzzling why an at-fault driver involved would voluntarily offer to pay for the damages incurred in a car accident they caused. Yet, various motives often underpin this seemingly generous act.

  1. Avoiding an Increase in Insurance Premiums: The at-fault driver might be hoping to avoid involving insurance claims. A claim on the at-fault driver’s insurance coverage would likely lead to higher monthly payments.
  2. Preventing a Blemish on Their Driving Record: Having a car accident officially recorded can tarnish the at-fault driver’s driving history, potentially leading to fines or license suspension if they already have points against their record.
  3. Fear of Legal Consequences: In cases where the at-fault driver’s negligence is particularly egregious, they might worry about facing legal repercussions, fines, or even imprisonment.


The Pitfalls of Accepting an At-Fault Driver’s Offer

As tempting as it might be to receive immediate payment, here are some of the pitfalls of accepting money from the at-fault driver.

Lack of Clarity on Injury Severity

One of the most important reasons to exercise caution when considering an offer of payment is the lack of clarity on injury severity. Without a proper medical examination, you may believe you are unharmed, only to discover delayed or hidden injury symptoms. These latent injuries can lead to substantial medical expenses and a more extended recovery period. 

Unknown Extent of Vehicle Damage

Similarly, the full extent of vehicle damage may not be evident immediately after the accident. Some damages could remain hidden, only surfacing later and necessitating costly repairs. Professional assessment of vehicle damage is needed for an accurate estimate of repair costs. Failure to undergo this process may result in substantial out-of-pocket expenses later.

Missed Opportunities for Additional Damages

Beyond immediate medical payments coverage and repair costs, you may be entitled to various types of accident benefits in an insurance claim.

To get a full understanding of what accident benefits you may be eligible for, it is recommended to consult experienced car accident lawyers.


The Impact on Subsequent Insurance Claims

At the scene of a minor accident, an at-fault driver may reassure the other driver that they can provide more money if needed or encourage them to file a claim with their own insurance company later. However, this is where potential complications emerge. 

Promises of future compensation can be misleading, as the at-fault driver may be unreachable or uncooperative when it comes time to fulfill these promises. Not to mention, accepting the offer puts the accident victim at a disadvantage when dealing with their auto insurance company.

Insurance Companies and the Consequences of Acceptance

Accepting an offer of payment can potentially reduce or negate the possibility of pursuing further benefits. Car insurance companies might argue that the accepted payment already covered the damages, complicating the pursuit of further claims.


Legal Requirements and Reporting Obligations

Even if an at-fault driver offers an early payment, specific scenarios require accident victims to report the crash to the police, regardless of the payment offered.

  1. Injuries or Fatalities: When an accident results in injuries or fatalities, the law mandates that it be reported to the police. The severity of injuries may not be immediately apparent, making it important to adhere to this requirement.
  2. $2,000 or More in Damage to All Vehicles: Extensive vehicle damage necessitates reporting, as the costs may be far greater than expected.


The Role of Car Accident Lawyers

man in suit walking down stairs

Car accident lawyers use their knowledge to help accident victims protect their rights and interests. They can explain legal implications and potential consequences of accepting an at-fault driver’s offer and provide advice on the best course of action.

If you decide you want to file an insurance claim, an experienced car accident lawyer can evaluate all your potential damages, such as pain and suffering, lost wages, and economic damages, to ensure you receive the accident benefits you deserve. They will also deal with the insurance company on your behalf, so you can focus on your recovery.


Kalsi & Associates – Protecting Your Rights and Interests

In the wake of a car accident, the offer of payment from an at-fault driver may seem like an attractive proposition. However, the consequences of accepting this offer can be far-reaching, potentially compromising your ability to pursue full benefits for injuries and damages.

Before making a decision, it’s crucial to seek legal counsel from a car accident lawyer. Our team at Kalsi & Associates is here to provide you with guidance on your rights and legal options. By understanding the complexities of your situation and the long-term effects of your injuries, you can make an informed choice that is in your best interest.

For more information about car accidents such as what to do after an accident or what are the documents that help you prove your case after an accident, consult our other resources or contact us today!

wrecked blue Mazda on the side of the road

Does Insurance Cover Hit and Run Car Accidents?

Picture this: you’re driving along, minding your own business, when suddenly, another vehicle collides with yours. The shock and dismay that ensue are heightened when the other driver leaves the scene, leaving you with a damaged vehicle and a myriad of unanswered questions.

The uncertainty surrounding insurance coverage for hit and run accidents is a concern for anyone who has experienced the frustration of such situations. Does insurance cover hit and run accidents? In general, yes, but hit and run accident insurance claims can still be a challenging process. 

In this blog, we will delve into the specifics of hit and run accidents and explore how insurance companies handle these cases.


Hit and Run Incidents: What to Do

When you find yourself the victim of a hit and run accident, the first course of action is to gather as much information as possible. This information can make a significant difference in your ability to file a claim with your insurance company and potentially bring the responsible driver to justice.

  • Vehicle Details: Try to remember and note down the make, model, and colour of the fleeing vehicle. Even if you can recall just part of the license plate, it can be immensely helpful.
  • Witness Information: Talk to anyone who might have witnessed the accident and take note of their contact information if they recall the details of the situation. 
  • Report the hit and run incident to the police: It’s important to file a police report within 24 hours of the hit and run. 
  • Reach out to your auto insurance provider: Once you file a police report, contact your insurer to open a claim.
  • Contact a car accident lawyer: Car accident lawyers are key to protecting your rights throughout the hit and run insurance claim process and ensuring you are treated fairly under the law.


Insurance Coverage for Hit and Run Accidents

  • Collision Coverage: In cases where the at-fault driver cannot be identified, coverage is usually paid out under the collision coverage of your car insurance policy.
  • Identifying the At-Fault Driver: If you can identify the responsible driver, your insurance will pay for the damages under the Direct Compensation Property Damage (DCPD) portion of your auto insurance policy.
  • Uninsured Motorist Coverage: If the motorist is identified and they do not have car insurance, uninsured motorist coverage will apply, which is standard in most policies.


The Role of Car Accident Lawyers

Victims of hit and run accidents often find themselves in the difficult situation of having to navigate the complexities of hit and run claims without any knowledge of how they work.

Just like any other claim, insurance companies investigate hit and run accidents to verify the authenticity of the claim along with the extent of the damages. This is where the help of car accident lawyers becomes invaluable.

Car accident lawyers are well-versed in the intricacies of hit and run claims. They understand the unique challenges that hit and runs present, and they know how to ensure your rights are protected.

They can assist in gathering crucial evidence, and guiding you through the claims process. By entrusting your case to an experienced car accident lawyer, you not only alleviate the stress of dealing with a hit and run claim but can also increase the likelihood of a successful resolution.


Kalsi & Associates – Support for Your Hit-and-Run Claim

In the aftermath of a hit and run accident, the good news is that insurance companies typically provide coverage to help you recover from the damages. 

If you ever find yourself a victim of a hit and run, remember that you’re not alone. At Kalsi & Associates, our experienced car accident lawyers are here to guide you through the process, ensuring you receive the support and accident benefits you deserve. Your recovery is our priority. 

Don’t hesitate to contact us for legal assistance.

lawyer discussing accident benefits with her client

What Are Statutory Accident Benefits In Ontario?

Life can take unexpected turns, and when the unexpected involves an injury, the challenges can be immense. In the wake of an incident resulting from a motor vehicle accident, understanding your rights and the benefits available through statutory accident benefits (SABs) is key to getting your life back on track.

What are statutory accident benefits in Ontario? In short, SABs play a pivotal role in ensuring benefits are available during these trying times. In this article, we’ll cover what SABs are,, the role of insurance companies, how you can go about getting your SABs, and how Kalsi & Associates can help you through the process.


Understanding Statutory Accident Benefits (SABs)

Statutory Accident Benefits are a comprehensive set of benefits provided to individuals who have suffered injuries as a result of a car accident. These benefits are intended to cover various aspects through your recovery journey, ensuring that you receive the medical care, financial assistance, and support you need.

For accident victims, SABs are a beacon of hope in the midst of adversity. They encompass a range of benefits that address the physical, emotional, and financial challenges that arise after an accident. SABs help accident victims through healing and rebuilding their lives.

How SABs Alleviate Financial Strain During Recovery

Recovery can be an expensive journey, with medical expenses, rehabilitation costs, and potential loss of income. SABs are designed to offset these financial burdens. By covering various categories of expenses, these accident benefits ensure that you can access necessary treatments and therapies.


Coverage Under Statutory Accident Benefits (SABs)


physiotherapist working on patient's spine


Coverage under Statutory Accident Benefits (SABs) underwent significant changes, with new regulations effective from June 1, 2016. These changes introduced standardized coverage levels to ensure that accident victims receive the support they need. Here’s a breakdown of the essential coverage components according to the Government of Ontario‘s statutory accident benefits schedule:


Medical and Rehabilitation Benefits

For non-catastrophic injuries, SABs provide combined coverage of up to $65,000 for both medical rehabilitation and attendant care benefits. In cases involving a catastrophic injury, the coverage increases. This coverage encompasses a wide range of expenses, including medical treatments, rehabilitation therapies, and attendant care services.


Income Replacement

SABs offer Income Replacement benefits, providing up to 70% of your gross income. This benefit is capped at $400 per week, with the option to increase coverage. The amount you’re eligible for depends on your income range. A deductible period of one week applies to this benefit.


Non-earner Benefit

If you’re a student or unable to continue daily life as before an accident, the Non-earner Benefit comes into play. This benefit offers $185 per week, aiding individuals who don’t qualify for Income Replacement benefits. A waiting period of four weeks applies to this benefit.


Caregiver Benefit

In situations where you’re unable to care for a dependent residing with you due to a catastrophic impairment, the Caregiver Benefit comes to your aid. The benefit covers expenses associated with hiring caregivers while you’re unable to provide care. The benefit includes up to $250 per week for the first dependent and an additional $50 per week for each subsequent dependent.


Death and Funeral Benefits

Tragedy can strike, and SABs provide benefits for  Death and Funeral Expenses coverage. In the event of your passing due to an accident, this benefit provides a lump sum payout to the deceased’s spouse and dependents. The standard payout includes $25,000 to your spouse, $10,000 to each dependent, and a maximum of $6,000 for funeral expenses. Enhanced options allow you to increase these payouts.


Additional Expenses Covered

Beyond these core benefits, SABs encompass a range of additional expenses:

  • Lost Education Expenses: If your injuries prevent you from continuing your studies, this benefit compensates for lost tuition, books, and other education-related expenses, up to $15,000.
  • Expenses of Visitors: Certain close individuals, such as your spouse, children, parents, and guardians, can claim reasonable and necessary expenses incurred during visits for up to 104 weeks after the accident, unless the injuries are catastrophic.
  • Housekeeping and Home Maintenance: Catastrophic injuries may necessitate external assistance for housekeeping and home maintenance. Damage to Clothing, Glasses, and Personal Devices: Accidents can damage personal belongings, and SABs may cover the cost of damaged clothing, glasses, and other medical devices.

These coverage enhancements provide benefits to accident victims, ensuring that the financial and care-related challenges they face are addressed. By understanding the scope of SABs, you can approach your recovery journey with confidence, knowing what benefits are available. 

Where the Money Comes From

SABs are payable by your automobile insurer. When operating a motor vehicle on the road in Ontario, mandatory automobile insurance is required. 



When you’re involved in an accident, the first step in accessing SABs is to file a claim with your car insurance company. This initiates the process of assessing your situation and determining the benefits you’re entitled to. 

Insurance companies are bound by regulations that dictate the process of evaluating and approving SAB claims. These regulations ensure that claims are assessed fairly and consistently.


Navigating the Potential Challenges of Claim Approval

While insurance companies provide necessary support, challenges can arise during the claim approval process. Working with an experienced lawyer can help you navigate these challenges and ensure your rights are protected.


The Process of Getting SABs: A Step-by-Step Guide

Below is a quick guide on the process of securing your SABs:


1) Initiating the Claims Process: Reporting the Accident

Promptly reporting the accident to your car insurance company and applying for Statutory Accident Benefits is the first step in accessing SABs. This sets the wheels in motion for the evaluation of your situation and the determination of benefits.

2) Medical Assessments and Documentation Requirements

Accurate documentation and medical assessments are crucial to establish the extent of your injuries and the support you require. These steps play a pivotal role in securing the benefits you’re entitled to.

3) Evaluating Eligibility and Benefit Entitlement

Eligibility for various benefit categories is based on your pre-accident status and the severity of your injuries. 

4) Resolving Disputes

In cases where disputes arise over benefit entitlement or coverage, an application to the Licence Appeal Tribunal (LAT) can provide avenues for resolution. An injury lawyer will advocate for your benefits on your behalf. 


How Kalsi & Associates Can Help

Navigating the intricacies of SABs can be overwhelming, especially when dealing with recovery. Kalsi & Associates’ personal injury lawyer team can guide you through the process, ensuring your rights are upheld.

With experience supporting accident victims, our car accident and personal injury lawyers understand the challenges you’re facing. Our commitment to advocacy and justice ensures that your needs are at the forefront of our approach, and that you will be supported every step of the way.

At Kalsi & Associates, we’re your partners in the journey to recovery. We work tirelessly to ensure that you receive the benefits you’re entitled to, so you can focus on healing and rebuilding your life.


Kalsi & Associates: Helping Secure Your SABs 

SABs offer specified benefits, enabling recovery. Throughout this journey, Kalsi & Associates serves as your unwavering ally, guiding you through the complexities of the process.

Our dedicated lawyers will work to protect your rights. Schedule a free consultation with us today to discover how we can assist you in navigating the intricacies of SABs and getting you the benefits you are entitled to.

passenger side view of a speeding car

What Are The Major Causes Of Road Accidents In Mississauga, ON?

Car accidents can have devastating consequences, impacting the lives of individuals and communities alike. Understanding the major causes of road accidents is crucial for accident prevention and promoting road safety. 

At Kalsi & Associates, our car accident lawyers are committed to handling car accident cases and supporting victims during their recovery journey. In this blog, we’ll be examining the leading causes of serious car accidents, as well as the part accident benefits and personal injury lawyers play in the aftermath of car accidents.


Road Collisions by the Numbers

According to the Peel Regional Police Department, which oversees the municipalities of Mississauga, Brampton, and Caledon, there were 33,875 total motor vehicle collisions in 2022. Of those 33,875 collisions, 19,269 were serious enough to be reported to the police, 18,119 involved some form of property damage, 1,116 resulted in personal injury, and 34 were fatal accidents. 

Although these statistics are slightly below Ontario’s provincial averages per 100,000 members of the population, the region’s 33,875 collisions represents a 14,456-collision increase from 2021’s total of 19,419. 

This drastic rise in collisions reinforces the importance of understanding Ontario’s accident benefits and how a lawyer can help you access them, should you suffer a motor vehicle accident.


The Most Prevalent Causes of Car Accidents


car with broken windshield


Now let’s dive into the various causes of car accidents in Mississauga:


Distracted Driving

Distracted driving is a premier cause of road accidents. It includes activities, such as texting, using a smartphone, eating, or adjusting the radio while driving. Such distractions divert a driver’s attention from the road and the actions of other drivers, creating the conditions for car crashes. 


Speeding and Reckless Driving

Many car accidents occur as the result of speeding and reckless or aggressive driving, such as illegal street racing. Driving above the speed limit not only reduces a driver’s ability to react to unexpected situations but also increases the severity of collisions and the likelihood of rollover accidents. In especially tragic circumstances, speeding drivers can cause fatal car accidents. 

Reckless driving behaviours, such as tailgating, changing lanes abruptly, or disregarding traffic signals, also escalate the risk of auto accidents. 


Impaired Driving

Impaired driving, which includes drunk driving and driving while high, poses a significant threat on the roads. Driving under the influence affects a driver’s judgment, reaction time, and ability to safely operate a vehicle. 


Weather and Road Conditions

During the winter months in many places in Canada, of which Mississauga is no exception, adverse weather conditions set the stage for accidents. Snow, ice, and limited visibility create hazardous roadways, reducing traction and making driving treacherous. Vehicles become prone to skidding and loss of control, increasing the risk of traffic accidents. 


Accident Benefits and Legal Support

If you have been involved in a car accident in Ontario, it’s important to understand the accident benefits available to you. These benefits, commonly known as Statutory Accident Benefits (SABs), encompass a range of essential support, including coverage for medical and rehabilitation expenses, income replacement, and attendant care. However, navigating the complex claims process to access these benefits can be overwhelming for victims already dealing with the aftermath of an accident.

At Kalsi & Associates, we are dedicated to assisting car accident victims in obtaining the accident benefits they deserve. Our experienced car accident lawyers play a vital role in advocating for victims’ rights throughout the claims process. From gathering and presenting necessary evidence to communicating with insurance companies on behalf of the victims, our legal team ensures that the victims’ needs are properly addressed.

Seeking legal assistance after a road accident is highly beneficial for victims. It ensures that their rights are protected, and they receive the benefits they are entitled to under the law. Our team of skilled lawyers has a deep understanding of Ontario’s personal injury laws and the intricacies of accident benefit claims. By enlisting our help, victims can focus on their recovery while we handle the legal complexities, advocating for their best interests every step of the way.


Contact Kalsi & Associates for Help With Your Car Accident Claims

By understanding the major causes of accidents, such as distracted driving, impaired driving, speeding, and adverse weather conditions, individuals can take proactive measures to protect themselves and others on the road.

At Kalsi & Associates, we are committed to supporting car accident victims and advocating for their rights. If you or a loved one has been involved in a road accident, don’t hesitate to contact us for legal assistance.

red car totalled in a car accident

When Should You Hire a Lawyer After a Car Accident?

Car accidents are sudden and distressing events that can have a significant impact on individuals physically, emotionally, and financially. Understanding the appropriate steps to take after a car accident is crucial, and one of the key considerations is knowing when to hire a car accident lawyer.

At Kalsi & Associates, our car accident lawyers have extensive experience in handling car accident cases and ensuring our clients receive the support and benefits they deserve. In this blog we’ll cover the steps to take after a car accident, how to recognize if you’re in need of a lawyer, and how they can help you get the benefits you need.


Immediate Steps After a Car Accident

After a car accident, the immediate steps you take can make a significant difference in the outcome of your claim. First and foremost, prioritize safety and seek medical attention if you or anyone involved is injured. Then, make sure to exchange contact details, insurance information, and statements from witnesses.

As a car accident victim, understanding the role of your insurance company and the accident benefits available to you is important. It is essential to file a motor vehicle accident report with the police and inform your own insurance company about the accident promptly. Documenting the accident scene and damages through photographs can provide valuable evidence for your claim. 


Recognizing the Need for Legal Assistance

Facing a car accident case can be overwhelming, and knowing when to seek legal representation is key to protecting your rights. While some accidents can be managed independently, certain circumstances call for the expertise of a car accident lawyer.

  1. Serious Injuries and Substantial Medical Expenses: If you have suffered severe injuries that result in substantial medical expenses, seeking legal assistance is vital. A car accident lawyer can advocate for your best interests and ensure you receive the benefits needed to cover medical bills and rehabilitation costs in your car accident claim.
  2. Disputes with the Insurance Company: Insurance companies may dispute your insurance claim or offer inadequate settlements. Having a car accident lawyer on your side can help navigate these conflicts and ensure you get the benefits you rightfully deserve.
  3. Navigating Complex Issues: Determining liability and fault in accidents can be intricate, particularly in multi-vehicle collisions or when fault is not clear-cut. A car accident lawyer can help establish a strong case and ensure your interests are protected.


The Advantages of Early Legal Representation

Early legal representation offers several advantages. 

A lawyer can ensure that evidence is properly collected and preserved to support your claim. They also prevent common mistakes that could weaken your claim, such as unintentional statements that could be used against you. What’s more, having legal representation can prevent insurance adjusters from offering inadequate settlements and increase your chances of receiving the benefits you rightfully deserve.


Understanding Car Accident Claims and Benefits

Car accident claims encompass several essential steps that victims must take. Immediately notifying your insurance company about the accident and providing necessary documentation is required for initiating a car accident personal injury claim.

Alongside this process, accident benefits, also known as SABs (Statutory Accident Benefits), are available to support car accident victims in Ontario. These benefits cover various expenses, including medical and rehabilitation costs, income replacement for lost wages, and attendant care. Accessing these benefits can significantly aid victims in their recovery journey and financial stability after a car accident, which is why the expertise lawyers bring to the equation is invaluable.


Handling Minor Car Accidents

In some cases, car accidents may be minor, and legal representation might not be necessary. It is essential to assess the extent of damages and determine if your case is straightforward before involving a lawyer. Dealing with insurance companies directly might be sufficient for a minor car accident.

That being said, dealing with insurance companies can present challenges, including delays, low settlement offers, and denial of valid claims. In this regard, having a car accident lawyer on your side can make a significant difference. Lawyers are skilled negotiators who can advocate for your best interests in interactions with insurance companies.


Pursuing a Personal Injury Lawsuit

In certain situations, such as when negotiations with insurance companies fail to result in a fair settlement, pursuing a personal injury lawsuit may become necessary. Before proceeding, it’s essential to assess the potential costs and benefits of taking legal action.

Car accident lawyers play a critical role in this process, providing invaluable support by thoroughly analyzing your case, advising on the likelihood of success, and guiding you through the complexities of the legal process. Their expertise ensures that your rights are safeguarded throughout the lawsuit, increasing your chances of obtaining the benefits you rightfully deserve.


Securing Your Rights and Pursuing Justice: Trust Kalsi & Associates for Experienced Car Accident Legal Representation

Knowing when to hire a personal injury lawyer is critical to ensuring your rights are protected. At Kalsi & Associates, our experienced team is dedicated to guiding you through the car accident claims process and pursuing justice on your behalf. For personalized guidance and support, contact us today for a free consultation.

blue Mazda on roadside after car crash

Do I Need a Car Accident Attorney if I Have Insurance?

Car accidents can be overwhelming and confusing, leaving individuals unsure about the necessary steps to take and the need for legal assistance. If you’ve been involved in a car accident, you might be wondering if hiring a car accident attorney is necessary to protect your rights and navigate the claims process.

At Kalsi & Associates, we excel at handling car accident claims and making sure our clients receive the support they deserve. 


Understanding Car Accident Claims

Car accident claims help victims recover and may provide reimbursement for  various expenses such as medical bills, lost wages, and pain and suffering. However, navigating the claims process can be complex, and having a personal injury lawyer by your side can significantly benefit your case.

When you hire an experienced personal injury lawyer, you gain a knowledgeable advocate who understands the intricacies of car accident claims. They will guide you through the entire process, ensuring that your rights are protected and that you receive the accident benefits and compensation you are entitled to. 


The Role of Insurance Companies

If you have insurance coverage, you may be inclined to believe that your car insurance company will handle your claim fairly. However, dealing with insurance companies can present various challenges.


The Challenges Insurance Companies Present

When individuals handle their own insurance claims, they often face a multitude of challenges, delays and denials are common roadblocks. Navigating the intricate web of legal procedures and documentation requirements can be overwhelming, particularly when you’re already grappling with the physical, emotional, and financial aftermath of an accident.

This is where having a car accident attorney becomes invaluable. An experienced personal injury lawyer acts as your advocate, negotiating with insurance adjusters on your behalf. They level the playing field and ensure that your interests are protected. By working with a personal injury lawyer, you can focus on your recovery while having the peace of mind that your case is in capable hands. At Kalsi & Associates, we have extensive experience in dealing with insurance companies, and we know how to navigate their tactics to secure your accident benefits.


Protecting Your Rights

car accident lawyer prepared to meet with a client


After a car accident, it is vital to protect your rights for the injuries and losses you have endured. The financial burden of medical expenses, the impact of lost wages, and the emotional toll of pain and suffering can be substantial. It is imperative to take action to ensure that you receive the benefits you rightfully deserve for these damages.


How Car Accident Lawyers Can Make the Difference

An experienced car accident lawyer is instrumental in the car accident claim process, aiming to get you the benefits you are entitled to. They take charge of gathering evidence, interviewing witnesses, and filing the paperwork on your behalf. Skilled car accident lawyers are adept at navigating negotiations with insurance companies. They act as your advocate, working tirelessly to secure a fair settlement that adequately addresses your needs and best interests. With their negotiation skills, a personal injury lawyer is an indispensable piece of the equation when it comes to your pursuit of an accident benefits claim.


What if a Fair Settlement Cannot be Reached?

If the insurance company doesn’t offer a fair settlement, a personal injury lawyer steps in to pursue a personal injury claim on your behalf. They’ll provide guidance through the legal process, representing your interests and fighting for the benefits you rightly deserve. With their experience, they can navigate the claims process, ensuring your rights are protected every step of the way.

At Kalsi & Associates, our dedicated personal injury lawyers are committed to advocating for your best interests. 


Trust Kalsi & Associates to Navigate Your Car Accident Claim

As you can see, having a car accident attorney by your side is essential, even if you have insurance coverage. Their understanding of the complex nature of car accident claims, the tactics employed by insurance companies and protecting your rights will help you make an informed decision.

At Kalsi & Associates, we have the know-how and dedication to guide you through the car accident claims process. Our car accident lawyers will ensure that your rights are upheld, and we will fight tirelessly to get you the benefits you deserve. We understand the challenges individuals face when dealing with insurance companies and the complexities of the claims process. With our knowledge and experience, we can navigate these obstacles on your behalf.

If you have been involved in a car accident, don’t hesitate to reach out to Kalsi & Associates for a free consultation. During this consultation, we will assess the details of your case, answer any questions you may have, and provide personalized guidance tailored to your situation. Our team is here to help and support you during this stressful time.

Contact us today! We are ready to listen, understand your needs, and provide the legal representation you need.

smashed front bumper and headlights after a car accident

Do Car Accident Lawyers Help You in Claiming Insurance?

If you’ve ever questioned what to do following a car accident, you’re not alone. The aftermath of such an event can be overwhelming, with numerous concerns such as medical expenses, lost wages, and insurance claims. 

During this stressful time, many people wonder if a personal injury law firm can help them in making a claim insurance. The answer is absolutely! In this article, we will explore the role of car accident lawyers in helping you navigate the complex process of claiming insurance, protecting your rights and getting you the benefits you deserve. So, let’s dive in!


Understanding Car Accident Claims

First and foremost, a car accident claim refers to the legal process of seeking benefits for injuries, damages, or losses resulting from a motor vehicle accident. Filing a car accident claim involves a series of steps, starting with gathering evidence, documenting the accident details, and notifying the appropriate parties. It is essential to act promptly, as there are time-sensitive aspects associated with car accident claims. Failure to address these aspects in a timely manner can lead to unfavorable outcomes.


The Advantages of Consulting a Car Accident Lawyer

Now, you may be thinking, “Is it beneficial to hire a car accident lawyer for my insurance claim?” The answer is a resounding yes! Car accident lawyers play a crucial role in advocating for your rights and get you the benefits you deserve. They are well-versed in personal injury law and know how to navigate the complexities of the legal system. 

An experienced personal injury lawyer becomes your advocate, protecting your interests throughout the claim process. They work tirelessly to gather evidence, assess the extent of your injuries, negotiate with insurance companies, and fight for the benefits you deserve. Their goal is to ensure that your rights are protected and you receive the benefits you are entitled to for your car accident injuries.


Exploring Accident Benefits

When it comes to car accidents, understanding accident benefits is of utmost importance. Accident benefits, also known as Statutory Accident Benefits (SABs), provide much-needed support to car accident victims in Ontario during their recovery. These no-fault accident benefits encompass various forms of assistance, including medical and rehabilitation benefits, attendant care benefits, income replacement benefits, and more.

Recovering accident benefits requires a comprehensive understanding of the applicable laws and regulations. This is where car accident lawyers can be your greatest asset. They possess in-depth knowledge of SABs and use this knowledge to assess your situation, determine the best course of action, and maximize your chances of securing a favorable outcome.

Let’s take a closer look at the different types of accident benefits available:

  1. Income Replacement Benefit (IRB): If your injuries from the car accident prevent you from working, you may be entitled to income replacement benefits. These benefits aim to supplement the income you have lost due to your accident-related impairments.
  2. Medical and Rehabilitation Benefit: Regardless of the severity of your injuries, you may be entitled to payment for reasonable and necessary medical expenses, as well as rehabilitation costs. This benefit covers a wide range of treatments and therapies aimed at helping you recover physically and mentally.
  3. Non-Earner Benefit: If you were not working before the accident and your injuries now prevent you from leading a normal life, you may be eligible for non-earner benefits. These benefits provide financial support for the impact on your overall quality of life.
  4. Attendant Care Benefit: In cases where you require assistance with personal care and daily living activities, you may be eligible for an attendant care benefit. This benefit covers the costs associated with hiring a caregiver to support you during your recovery process.

With a competent lawyer working on your behalf, you put yourself in position to receive the benefits you are entitled to.


Dealing with a Car Insurance Company

car crushed by fallen tree


Dealing with your own insurance company can be a daunting task. This is where a car accident lawyer becomes your advocate and ensures that your rights are protected.

A car accident lawyer understands the complexities of insurance policies, coverage limitations, and the tactics employed by insurance companies. They will skillfully negotiate with the insurance company on your behalf, aiming to secure the maximum benefits you are entitled to. With their support, you can level the playing field and increase your chances of receiving a fair outcome.


Kalsi & Associates – Supporting Car Accident Victims in Ontario

Car accident lawyers play a vital role in helping you claim insurance after a car accident. Their knowledge of personal injury law, understanding of accident benefits, and experience in dealing with insurance companies are invaluable assets in your pursuit of a car accident claim.

If you have been injured in a car accident, it is crucial to seek professional legal assistance. At Kalsi & Associates, we are here to help. Contact us today for a free consultation and let our personal injury lawyer team guide you through the claims and fight for the benefits you deserve.

Cars in traffic

What is No-Fault Insurance?

No-fault insurance is a type of auto insurance that can be confusing for many drivers. If you’ve ever wondered what it is and how it works, you’re not alone. 

No-fault insurance, also known as personal injury protection (PIP), is a type of car insurance coverage that covers medical expenses and other related costs regardless of fault determination rules. It is a system designed to reduce the burden on the court system by minimizing lawsuits and legal disputes to determine fault for an accident. 

In this blog post, we’ll explore everything you need to know about no-fault insurance, and who it benefits. So buckle up and let’s get started!

Cars in British Columbia on the highway

How No-Fault Insurance Works

Under a no-fault insurance system, each driver is required to carry their own car insurance coverage, which provides coverage for medical expenses and lost wages resulting from car accidents, regardless of who was at fault. This means that if you are involved in a car accident, regardless of whether you caused the accident or not, you can recover medical expenses and lost wages from your own insurance company.

Under no-fault insurance, the process is simplified because the insurance companies of each driver involved in the accident pay for their insured’s medical expenses and lost wages up to a certain limit, regardless of who caused the accident. This means that there is no need to determine fault, which saves time and money for all parties involved.

Benefits of No-Fault Insurance

One of the main benefits of no-fault insurance is that it provides a quicker and more streamlined process for accident victims to receive accident benefits for their injuries. This is because there is no need to go through a lengthy legal process to determine fault, which can take months or even years.

No-fault insurance also provides a level of protection for drivers, as they are able to receive accident benefits for their injuries regardless of who caused the accident. This can help to alleviate some of the financial stress that comes with being injured in a car accident and can provide peace of mind for drivers.

When Do You Need A Lawyer for No-Fault Insurance Claims?

While the no-fault insurance system is designed to simplify the process of obtaining accident benefits for injuries sustained in a car accident, there are situations where it may be necessary to hire a car accident lawyer to help with the process. Below are some scenarios where you may need a lawyer for no-fault insurance claims:

Insurance Coverage Disputes:

There may be situations where your own insurance company disputes coverage for your claim. For example, your own insurance company may argue that your medical treatment is not necessary or that your injuries and medical bills are not related to the car accident. A lawyer can help you navigate the insurance company’s appeals process and advocate on your behalf to ensure you receive the coverage you are entitled to.

Denied Claims:

Unfortunately, there may be situations where you are denied accident benefits by the insurance provider. In this case, a lawyer can help you understand why your claim was denied and advise you on the next steps to take, such as filing an application to dispute any denials.

Long-Term or Permanent Injuries:

If you have sustained long-term or permanent injuries as a result of a car accident, you may require ongoing medical rehabilitation and have ongoing medical bills, as well as future lost wages and other damages. A lawyer can help access your long-term disability benefits.

Car accident at fault car in a collision being towed

What are the Benefits of No-Fault Insurance?

One of the main benefits of the no-fault system is that it allows the injured parties to receive accident benefits quickly for medical care, without having to wait for a legal settlement or court judgment. This can be especially important for those who are unable to work due to their injuries and need immediate assistance.

Kalsi & Associates Fights For You

While no-fault insurance may seem confusing at first, it is an important system designed to reduce the burden of determining fault for an accident. By understanding the basics of no-fault insurance and its benefits, you can make informed decisions when it comes to your auto insurance policy. 

If you’re ever in a car accident, remember to contact a personal injury lawyer from Kalsi & Associates. They can help guide you through the process and explore your legal options, while you get on the road to recovery. 

car with smashed windshield after an accident

What To Do After a Car Accident

Car accidents are a common occurrence in Ontario, and knowing what to do in the aftermath of a collision is crucial. Whether you’ve been involved in a minor car accident or a major collision, it’s important to take the necessary steps to protect yourself and your rights. 

This blog post will provide you with a step-by-step guide on what to do after a car accident in Ontario.


damaged red vehicle after a car accident

Here is a guide for what to do following a car accident.

Collect Evidence

After an auto accident in Ontario is to exchange information and begin collecting evidence. This evidence will be necessary when filing your insurance claim for accident benefits

Take photos of the vehicles involved, including their license plates and any damage sustained. Make sure to take photos from multiple angles, as well as any skid marks or debris on the road. In addition, get the contact information of any witnesses who may have seen the accident. Witnesses can provide an account of the events that took place and can be incredibly valuable when it comes time to file a claim. Remember to exchange contact and insurance information with the other driver involved as well. This information will be necessary when filing your insurance claim.

Call the Police

If you or anyone else involved in the accident is injured, or if damage to the vehicles involved appears to exceed $2000, be sure to call emergency services right away. It is also recommended to call the authorities if the incident took place on private or municipal property, if a government vehicle was involved in the accident, or if you suspect any of the other parties to be guilty of a criminal code offence, such as driving under the influence.

The police will come to the scene, assess the situation, and make a detailed report of the accident. This report will be invaluable when filing an insurance claim, as it provides an official record of what happened. Not only will the police report help with the insurance claim process, but it can also be helpful if legal action is necessary down the line.

Seek Medical Help

Injuries sustained in a car accident may not always be immediately apparent, and some symptoms may take days or even weeks to manifest. Seeking medical attention after an accident is crucial to ensure that any injuries are identified and treated promptly.

Obtaining a medical report can be useful when making an insurance claim, as it provides documentation of any injuries sustained in the accident. Even if you feel fine after the accident, it’s important to get a medical evaluation to rule out any underlying injuries or conditions that could cause problems in the future. Remember that your health and well-being should be a top priority after an accident, so don’t hesitate to seek medical help if you need it.

Report the Incident

If the accident resulted in significant property damage or injury, it’s crucial to report the incident to the nearest Collision Reporting Centre nearest to you within 24 hours, especially if the police were not called. The Collision Reporting Centre is a facility that is designated by the Ontario government to receive and document reports of car accidents. Reporting the accident is required by law, and failure to do so could result in legal repercussions.

When reporting the accident, be sure to bring all of the necessary information, including your driver’s license, vehicle registration, and proof of insurance. You will also need to provide details about the accident, including the time and location, the number of vehicles involved, and any injuries sustained.

Contact Your Insurer

If you’re involved in a car accident in Ontario, it’s important to report it to your insurance company as soon as possible. Under Ontario’s no-fault insurance system, the drivers involved deal with their own car insurance companies, regardless of who was at fault for the accident.

When reporting the accident to your insurance company, you will need to provide basic information about the collision, such as the time, location, and nature of the accident. You may also need to provide information about any injuries or property damage that resulted.

Your insurance company will likely conduct their own investigation of the accident, which may involve gathering witness statements or consulting with experts in accident reconstruction. To help facilitate this process, you should provide your insurance company with any relevant information and evidence about the accident, such as photographs of the damage, medical bills or reports, police reports, and contact information for any witnesses.

Contact Kalsi Law if you Have Been Involved in a Car Accident

A car accident can be a traumatic event, leaving individuals overwhelmed and unsure of what to do next. It’s crucial to stay calm and take the necessary steps to protect your legal rights. 

To recap, make sure everyone involved in the accident is safe and seek medical attention if necessary. Contact the authorities and report the accident to your insurance company as soon as possible. Gather as much information as you can from the scene, including names, contact information, and insurance details of all parties involved, as well as photos of the damage and location of the accident.

It’s important to note that insurance companies may not always have your best interests in mind, so it’s crucial to consult with an experienced personal injury lawyer who can guide you through the process and help you receive the compensation you deserve. 

A car accident lawyer from Kalsi Law can help you navigate the legal system and ensure that your claim is properly filed. We understand the complexities of car accident cases, our lawyers are committed to fighting for your rights and obtaining the best possible outcome for you.

Contact us today if you require legal assistance in the aftermath of a car accident.

crushed car from car accident

How to Sue for a Car Accident

How to Sue for a Car Accident

Car accidents can be a traumatic and costly experience. In Ontario, compensation for many car accidents is provided through insurance coverage in the form of statutory accident benefits and therefore do not require a lawsuit. However, if you have suffered significant injuries due to the recklessness or negligence of another driver or third party, you may be entitled to sue for your pain and suffering and future health care costs. You might also be able to sue for losses that have not been covered by your insurance company. 

It should be noted that personal injury lawsuits can be complex. It is therefore advisable to consult a personal injury lawyer as soon as possible to help you navigate the legal process. Nevertheless, if you have been involved in a car accident and plan on suing, it is important you understand the steps involved.


Steps for Filing a Car Accident Lawsuit

gavel from car accident court case

Here are instructions to follow after you have been involved in a car accident that will improve your odds of a positive legal outcome.


Gather Evidence

The first step in suing for an automobile accident is an important one – gathering evidence. The key pieces here are taking pictures of the scene, getting the contact information of any witnesses, and securing a police report. These will be necessary components to support your case going forward. It is also important to keep track of any medical expenses you may have incurred as a result of the collision, as well as any days off work that were taken due to the physical injuries received from the accident.


Report the Incident

When it comes to reporting the accident, there are several timelines to be aware of:

  • If the amount of damages exceeds $1,000 or if there has been an injury, you must report the accident to the police.
  • If you want to report an accident and the authorities were not involved at the time, you have 24 hours to report the incident to the Collision Reporting Centre.
  • You have 7 days from the date of the accident to report it to your insurance provider.
  • You have 30 days from the time you receive the Accident Benefits package to submit your completed application. 
  • If you plan to sue for the car accident, you must notify the individual you are suing within 120 days of the accident.
  • In all cases, you must file the lawsuit within two years of the incident.
  • For car accident claims against a provincial or municipal government, you need to provide written notice of your intention to sue within 10 days of the incident.


Consult a Car Accident Lawyer

When considering legal action for a car accident, it is recommended to work with a personal injury lawyer. Experienced personal injury lawyers can provide invaluable insight into the value of your claim, they can help you choose the best strategy for proceeding, and they can carefully guide you through each step of your personal injury claim.

Many personal injury attorneys offer no-cost consultations and take cases on a contingency fee arrangement. In other words, payment is only required if they win the case, and it will come as a portion of the car accident settlement.


File a Lawsuit

When it comes time to file your lawsuit, you will do so with the Ontario Superior Court of Justice. In your car accident claim, you will need to provide sufficient evidence and a thorough description of how the accident occurred, what physical injuries were sustained and what level of compensation you are seeking.

Ensure that any details you provide are accurate and that you have collected all the necessary evidence before filing the lawsuit. This is an invaluable step that will give your case the best chance in court.


Contact Kalsi Law if You Have Been Involved in a Car Accident

As you can see, suing for a car accident is a complicated process fraught with regulatory rules and procedures that must be followed. As such it is crucial to seek the assistance of a knowledgeable motor vehicle accident lawyer who has knowledge of long-term disability benefits and personal injury lawsuits.

With years of experience in the field of personal injury law, Kalsi Law has the experience to guide you through the legal process of your car accident lawsuit and give you the best chance of receiving the compensation you deserve. Contact Kalsi Law today for a free consultation.

Book with law on the cover underneath gavel and personal injury document

What is a Personal Injury Lawyer?

What is a Personal Injury Lawyer?

A personal injury lawyer is a type of attorney that represents individuals who have suffered physical or emotional harm as the result of the negligence or wrongdoing of another person, company, or entity.


A personal injury lawyer is an invaluable asset when dealing with the emotional and physical harm caused by someone else’s negligence. They can provide you with a range of services, from helping to understand your legal rights and options, to providing advice on how to effectively pursue a claim for damages. A personal injury lawyer can also handle negotiations with insurance companies or other parties in order to secure a settlement that fully recognizes the compensation you deserve. 

In this blog, we will explore what personal injury lawyers do and how they can help you get the justice and compensation you deserve. With an experienced personal injury lawyer on your side, you are in a much better position to obtain full compensation for your injuries. 


What Does a Personal Injury Lawyer Do?

The primary objective of a personal injury lawyer is to help their clients, who have suffered an accident and get the compensation they are entitled to. This can involve negotiating with the responsible party’s insurance company to reach a settlement, or filing a lawsuit and taking the case to court if a settlement cannot be reached.

Personal injury lawyers also provide legal counsel and representation to their clients throughout the legal process, which can include helping with tasks such as completing paperwork and gathering evidence to support your case.


What Kind of Cases do Personal Injury Lawyers Deal With?

Personal injury lawyers represent individuals who have suffered in various accidents. The types of cases they handle include but are not limited to:

  • Car accident / motor vehicle accident
  • Slip-and-fall accident
  • Short-term and long-term disability benefits


What are the Benefits of Working with a Personal Injury Lawyer?

Here are some of the ways personal injury lawyers bring value to their clients.


They Have the Necessary Experience

Personal injury lawyers have the knowledge and experience to help you navigate all aspects of the legal process such as analyzing the merits of your case and your accident benefits, representing you in court, negotiating your settlement, and managing other litigation outcomes.

Even for those with a law background, handling a personal injury case can be difficult without knowledge in this specific legal field. As a result, working with an experienced personal injury lawyer is recommended to maximize your settlement.


They Give Your Case Added Leverage

A personal injury lawyer increases your chances of being fairly compensated for an accident. When looking to maximize insurance claims, insurance companies are more likely to take a personal injury claim seriously if it is being handled by a lawyer. This is because they know the lawyer will be prepared to take the case to court if a fair settlement cannot be reached.


They Have Resources That Will Save You Time

Pursuing a personal injury claim can be time-consuming, especially if you are intent upon thoroughly investigating your case to gather evidence. A personal injury lawyer has the resources to handle the legwork on your behalf so you can use the time to recover from your injuries.


Less Stress in a Stressful Situation

The physical and emotional damage of an accident is already a lot to deal with. But add on the stresses of the entire legal process, and it can truly be overwhelming.

Having a good personal injury lawyer on your side gives you confidence and peace of mind, knowing your case is being handled by an experienced lawyer who can walk you through every step of the process.


Kalsi & Associates – Experienced Personal Injury Lawyers in Ontario

An accident can change your life. Which is why, at Kalsi & Associates, we offer the personal injury law experience needed to protect the rights of accident victims, maximize their settlement, and address all their related concerns.

If you or a loved one has been injured in an accident, contact us today for a free consultation.

Woman Dead, 15 injured After Multi-Vehicle crash in Brampton

Source: CBC News

Police are asking people to avoid the Queen Street and Gore road area after a serious multi-vehicle crash was reported Saturday morning leaving 15 injured and 1 woman dead.

According to the police, 10 cars and a tractor trailer were involved in the incident causing multiple people to be trapped underneath their vehicles. Paramedics that arrived at the scene reported one woman dead, 13 people were transported to local hospitals, and two men were rushed to trauma centres in Toronto.

As Cont. Sarah Patten states, the driver of the tractor trailer is currently being held in custody by the police following the collision and is expected to face several charges including 2 counts of dangerous driving, one for causing death and another for causing bodily harm.

Injured in an Accident?

Don’t deal with your injuries alone. Kalsi & Associates Personal Injury Lawyers provide expert legal advice and representation for various types of personal injury cases and insurance claims. We proudly stand by your side to help you receive the maximum compensation that you deserve. For A Free Consultation – Call 1-844-90-LAWYER | 1-844-905-2993

Fatal Crash Leaves Passenger Dead, 2 Drivers Injured in the West End Of Toronto

Source: CBC News


One passenger is dead along with two drivers injured in a crash at Bathurst Street and Steeles Avenue West on Tuesday morning. Emergency crews responded to the incident around 5:30a.m


As indicated by police, a Nissan Altima eastward on Steeles Avenue West was going at high speed when the driver lost control, spun out, and hit the back of a Toyota Highlander at Bathurst Street.


The Driver of the Nissan Altima suffered life-threatening injuries and the passenger endured fatal injuries. The driver of the Toyota Highlander also sustained serious injuries.


According to Toronto paramedics, the passenger of the Nissan Altima was pronounced dead at the scene. Both drivers were rushed to the trauma centre. Paramedics have identified one of the drivers as a 35-year-old man


Police have not released the age & gender information of all individuals involved in the crash. Any witnesses or drivers with dashboard footage should report to the police.



Injured in an Accident?

Kalsi & Associates Personal Injury Lawyers provide expert legal advice and representation for various types of personal injury cases and insurance claims.  We strive to help car accident victims to obtain the compensation that they deserve. For A Free Consultation – Call 1-844-90-LAWYER | 1-844-905-2993

Slip & Fall Accident Lawyer Brampton, Ontario

Falls are one of the Top Reasons Canadians are Getting Injured


Global News
The Global And Mail
Huffington Post

Accidental falls have been stated to be the most common cause of injury in Canada by the Canadian Institute for Health Insurance. These often lead to a trip to the emergency department and occasionally the injuries are severe. In 2017, it was reported that 1800 people rushed to ED after sustaining a fall and out of these, 417 people needed to stay overnight at the hospital. Elderly people were the ones with severe injuries while children and young adults were also recorded.

Injuries caused by slip and fall increase during the winter season because of snow, ice, and other slippery conditions. Although the government of Canada tries to do its best to maintain non-slipper sidewalks and other surfaces but even a single patch can make an individual fall down and break a bone.

Most Common Injuries after Slip and Fall

The most common types of injuries sustained after a slip and fall accident in Canada are:

1. Head injury
2. Broken lower leg and ankle
3. Broken hip

Hip injuries happen very commonly when a person falls down while walking but this problem is very serious for seniors because, at their age, they lack the physical strength to completely heal and may end up with a lifelong problem. Complications related to hip injury can be fatal too.

Reduce the Risk of Falling

Falling happens by accident and there isn’t much you can do to protect yourself. Nonetheless, there are few precautions that will keep you safe in the winters:

1. Wear shoes with deep treads during winter to reduce your chances of slipping.
2. Be careful while going down the stairs and if it’s wet, hold on to the handrail.
3. Pay attention to the floor you are walking on and if it’s wet/icy be extra cautious.
4. Try to avoid walking on cracked sidewalks and poorly maintained walkways.

Kalsi and Associates is a team of legal professionals who can guide individuals with their personal injury through slip and fall litigation. They can help you with most types of personal injuries including catastrophic accident litigation, slip and fall, motor vehicle accident and claims related to them. The team at Kalsi and Associates personal injury lawyers strives to protect the rights of the clients while staying committed to providing justice and a fair compensation.



Ontario Ministry of Transportation

Road safety has emerged as a major issue in the Greater Toronto Area. This is one of the side-effects of the growth that this part of Canada has been experiencing in recent times and is likely to do so in the future as well.

The decline in road safety has been seen in both the growing number of pedestrian fatalities as well as collisions of vehicles. The Ontario Ministry of Transportation (MTO) reports that in 2020 – the most recent statistics available – 535 people died in the province as a result of car accidents. Meanwhile, approximately 31,538 people were involved in personal injury.

Car accident lawyers
Being in an accident can be a devastating encounter. Sometimes accidents require legal advice from professionals Kalsi & Associates  Personal Injury Lawyers Here are some helpful tips vehicles owners can use to enhance their road safety measures to prevent common road accidents and mitigate risks.

    1. Seat belt mandatory- All motor vehicles in Ontario must wear seat-belt correctly can reduce the chances of death in a collision. Children under 12 must be properly seat belted and kept secured in a back seat or booster seat of the vehicle.
    2. Avoid Distraction – Ontario’s distracted driving laws apply to the usage or holding of any electronic device and handheld device while driving or even in red light is counted as illegal. Other distract actions such as reading, eating, drinking, smoking, reaching objects may not come under law but it still counted as careless or dangerous driving. To avoid penalties, use a hand-free device and mounted device while driving.
    3. Don’t drink & drive – Under the Impaired driving law and Ontario’s zero-tolerance law driving vehicles with consumption of any kind of alcohol and drugs are illegal. You can face serious penalties and criminal charges if you are found guilty of having drugs and alcohol.
    4. Eye on Pedestrians & school crossovers- Vehicles drives must pay attention to pedestrians and school crossover. Drive slowly and carefully through school zones, Community Safety Zones, or bus stops. You may charge with imprisonment and fine. In 2020, the highest number of pedestrians fatalities were situated in road accidents cases.
    5. Don’t drive dozy- Driving while dozy is a very dangerous combination of driving and sleeping. Take a break on a long trip, eat sugary snacks, and maintain the internal temperature of the vehicle to stay alert.
    6. Limit your Speed- Speeding is always risky. A driver must obey the speed limit to avoid a collision with people, vehicles, animals, or other obstacles on the highway. Keep in mind speed measuring warning devices like a radar detector are illegal.

If you are facing any Injury due to someone else’s negligence, Schedule a FREE consultation with our team of Car Accident lawyersKalsi & Associates Personal Injury Lawyers protect your rights so you can focus on your recovery and get the fair compensation for your injuries. Call us 1-844-90-LAWYER | 1-844-905-2993 or visit  for legal advice.

Bicycle & Pedestrian Accidents; What you need to Know?


CBC News

According to a news feature by CBC news in 2015, in Toronto, six pedestrians are hit every day. And the number was increasing. That is so, even though the law stipulates that pedestrians have the right of way.

As the roads become less safe for pedestrians, early last year, a new pedestrian law was introduced in Ontario. It emphasized that motorists should wait for the pedestrian to cross the crosswalks or pedestrian crossovers completely.

However, if you are injured from colliding with a motor vehicle, you are entitled to compensation.

Types of Claims

No-Fault Benefit/ Accident Benefit

It applies to all persons involved in a collision with a motor vehicle. If you are a pedestrian or cyclist, then your auto insurance applies. But if you have no insured car, you can claim the insurance policy of the vehicle involved in the accident.

Claim against at-fault driver

In addition to the above claim, you may also be entitled to claim the driver who is at fault. First, you have to provide proof that some blame, is the driver of the car.

Some of the benefits you can claim if you suffer injuries due to the collision include, medical expenses, replacement of income, etc. It all depends on the circumstances of the accident.

In Ontario, the laws on auto insurance are complex and change frequently. It is advisable to seek the guidance of a personal injury lawyer to advise you on the measures to take. You can reach out to out Toronto Personal Injury lawyers, at Kalsi & Associates at 1-844-905-2993 for a FREE consultation.

One Dead and two in Critical Condition due to Accident near Orangeville


The Star

A head-on collision resulted in the death of one person and two in life-threatening condition. The three were airlifted to a hospital in Orangeville. Later, the two were airlifted to Toronto, while still in critical condition.

The police will examine the black boxes of the vehicles involved in the accident, to help determine the cause of the collision.

According to the Star’s phone conversation with the OPP (Ontario Provincial Police) Const. Paul Nancekivell. It can be that the conditions of the road, could have led to the accident.