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Ches Crosbie Barristers

Newfoundland and Labrador Accident and Injury Law Blog

St. John's injury, malpractice, and class action lawyer Ches Crosbie and his team write blog articles on interesting law-related issues in Newfoundland and Labrador and Canada. These blogs articles are about issues that affect clients, consumers, and the public. We hope you find our blog interesting and informative, and feel free to submit a comment at the end of the articles. We like to hear your opinions, too!


1/22/2013
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Access to Justice in Hospital and Medical Class Actions

In this four-part series, personal injury lawyer Ches Crosbie discusses how class actions may increase access to justice.

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9/12/2012
Chesley F.
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Is Peace of Mind an Aim of the Pathology Contract?

Many pathology specimens are rechecked for accuracy in Newfoundland and Labrador in recent years. Is there a pscyhological benefit to having an accurate answer?

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12/22/2011
Chesley F. Crosbie, Q.C.
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Residential School Survivors Sue for Dignity Not Money

The decision of the Newfoundland and Labrador Court of Appeal yesterday to uphold the residential schools class action certification is good news!

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2/15/2011
Chesley F. Crosbie, Q.C.
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The Shocking Truth About Wrongful Death - Chapter 1

Personal injury lawyer Ches Crosbie explains why he wrote the ultimate guide to wrongful death cases in Newfoundland and Labrador.

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3/15/2010
Chesley F. Crosbie, Q.C.
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Three serious road accidents involving pedestrians including one death occurred last week, and I posted the transcript of a good CBC radio interview on the topic.  Here's the point I would make about pedestrian collisions, and it's one the government should act on.

Sure, it's easy to say everyone should be more observant of safety, including pedestrians.  But the loser in any disagreement between a motor vehicle and a pedestrian is going to be the pedestrian.

I walk to work most days and I cross LeMarchant Road in front of the Basilica, at the intersection with Bonaventure Avenue.  And I can tell you from experience that one in three cars do not stop for a pedestrian entering a crosswalk.  I've complained to the Chief of Police about enforcement, with no result.

Others have suggested ways to improve safety and reduce accidents and needless injury and death.  As a lawyer helping injured people, I see an area where our law of the roads needs reform.  Most other provinces have a rule on their books that vehicles running down pedestrians are presumed to be at fault.  An example is s. 248 of the Nova Scotia Motor Vehicle Act.

Pedestrians are frail and vulnerable.  It's time our legal rules shift the onus of proof against the driver, who all too often is focused on everything but pedestrian safety, and protect the frail.

 



Category: Keyword Search: compensation

2/26/2010
Chesley F. Crosbie, Q.C.
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7.      RESOURCES AVAILABLE TO YOU

Is a particular loss covered?  What's it worth? What does that clause really mean?  If you encounter misunderstandings, disagreements or other problems with a claim:

  • Get clarification from the broker or agent who sold you the policy.
  • Talk to the adjuster or claims specialist, or this person's supervisor.
  • Ask for the insurance company's internal ombudsperson. Every federally licensed insurance company must have one.
  • For home, auto and business, contact the General Insurance OmbudService (www.giocanada.org) or the OmbudService for Life and Health Insurance (www.olhi.ca). They can help cut through the red tape and impartially resolve disputes between you and your insurers.

Don't worry about a claim being denied, seeing your premiums rise or being blacklisted if you raise a fuss.  It's your right to complain-and it's often necessary.  "An insurance policy is proof of a legal contract, but there can be grey areas when it comes to settling claims," says Sherman, from The Co-operators Group.  "Every claims settlement is to some extent a negotiation."



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2/19/2010
Chesley F. Crosbie, Q.C.
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6.      DO YOU NEED A LAWYER?

In cases involving serious injury or in disputes over claims involving significant sums, it may be prudent to consult a lawyer.  Whether guiding you through the legalese of insurance contracts or helping you avoid lowball offers, a lawyer can protect your interests.

In the relationship between the insurer and the policy holder, lawyer Crosbie says, "There's a power and knowledge imbalance-a lawyer redresses the imbalance."



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2/12/2010
Chesley F. Crosbie, Q.C.
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5.      BE YOUR OWN BEST ADVOCATE

An insurance company may not be on your side, but that doesn't mean they're against you.  However, Bruce Cran, the president of the Consumers' Association of Canada, calls the relationship "adversarial."  As he notes, people making claims want everything they feel is coming, and not a penny less.  Insurers want to pay out what they feel they must, and not a penny more.

Settling claims is about balancing interests and being fair, which can be open to interpretation.  Read your policy carefully to understand your responsibilities and rights.  Clarify what you're expected to do (for example, quantify a loss and get receipts) and what your insurer will do for you.  Justify your requests.  Yes, the insurance company has obligations, but ultimately you're your own best advocate.

"You're an active participant in the claims settlement process," says the Insurance Bureau of Canada's Olson.  "It won't just happen around you."



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2/5/2010
Chesley F. Crosbie, Q.C.
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4.      DON'T SETTLE TOO QUICKLY

Sometimes, you just want to get the incident behind you.  But resolving a claim too quickly could mean an inadequate settlement.

Generally, for injuries where pain and damage can linger, don't settle until "the point of maximum medical improvement," says St. John's, N.L., lawyer Ches Crosbie.  With other types of claims (such as fire, where you might not be certain of the property loss), give yourself time to gather all the necessary information.  Then take time to consider the offered settlement to determine if it's fair.  If not, go back to the insurer.

Remember, insurance is not for a quick cheque, "it's to reimburse you for what you've lost," says General Insurance OmbudService's Maltman.



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1/29/2010
Chesley F. Crosbie, Q.C.
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3.      TELL THE TRUTH

Being honest won't work against you, even if you're to blame for the loss.  But fudging the details, let alone outright deception, will come back to haunt you.

Often when making a claim, you are at fault-"There's no stupidity exclusion in a policy," says Lindsay Olson, a vice-president for the Insurance Bureau of Canada in British Columbia.  "People make errors."  But withholding the facts could make it harder for insurers to probe a loss, be construed as deliberate misrepresentation, label you as what The Co-operators Group's Sharman calls a "moral hazard"-what else are you lying about?-and could even nullify your claim.



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1/22/2010
Chesley F. Crosbie, Q.C.
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This is the second in a series of seven points to think about before calling your insurer.  It comes from an article in Readers Digest by Stuart Foxman, for which I was interviewed.  Look for other points each Friday.

2.      FILING YOUR CLAIM

Delays in reporting an incident can hamper an insurance adjuster's ability to investigate.  With a car accident, for instance, the memories of witnesses can fade.  Back to that basement flood:   The insurer could also wonder if a loss was bigger than it needed to be.  Did you take steps to, say, minimize damage after a flood?  Where's the evidence of the original loss?  Did you try to fix a loss on your own and possibly make it worse? 

"Your delay could make it difficult to assess damage," says Brian Maltman, executive director of General Insurance OmbudService, "The insurer may even deny the claim because it has been prevented from being able to properly deal with the loss."



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1/15/2010
Chesley F. Crosbie, Q.C.
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Interview on Breast Cancer Class Action Compensation

Ches Crosbie was interviewed by Out of the Fog on January 7, 2010 regarding breast cancer testing class action compensation payments and fees.

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12/21/2009
Chesley F. Crosbie, Q.C.
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Not Giving Up on VLT Class Action

Now plaintiffs have allegations based on breach of the Criminal Code, and breach of s. 52 and s. 36 of the Competition Act prohibiting misleading advertising.

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12/17/2009
Chesley F. Crosbie, Q.C.
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In my blog and letter to The Telegram in October 2009 "The Shocking Truth About Wrongful Death", I sought to bring the attention of the legislators to the backward state of the law of Newfoundland and Labrador.  Our law makes no provision for compensation of estates for pain and suffering, and no provision for compensation of close family members of victims of wrongful death.  Now in a move which has received less press than it deserves, the legislature has seen the introduction of a private members resolution aimed at much needed reform of this primitive area of our law, and yesterday December 16, the government adopted the initiative and will strike a select committee to make recommendations for amendment of the laws.  My name even got a mention in debates.

Anyone who takes a look at our law of wrongful death will agree that it is not in step with modern conceptions of justice and fairness.  In the interests of needed law reform, I propose Compensation Modernization Act.

The amendments to the Survival of Actions Act are necessary in order to permit estates to claim for pain and suffering experienced by a deceased prior to the death.  This is done in Ontario and elsewhere.

The amendments to the Fatal Accidents Act are necessary in order to permit persons in a close family relationship with a deceased to claim for loss of care, guidance and companionship on a non-pecuniary basis.

When the Supreme Court of Canada reformed the law in 1998 in the Ordon Estate case, it did so on behalf of persons in a close family relationship with deceased persons and with injured persons, in other words persons who had not died of their injuries.  Therefore the inclusion of provisions seeking to extend the right of compensation to close family members in relation to injured persons.

I have for the most part followed the language of the Marine Liability Act, 2001, c. 6, sections 4, 5 and 6, which was Parliament's response to Ordon Estate, inserting a legislative right to compensation in the relevant legislation.  Here are links to the Ordon Estate case and the Marine Liability Act.

 I wish our legislators good luck and God speed with this much needed piece of modern law reform.



Category: Keyword Search: compensation

12/3/2009
Chesley F. Crosbie, Q.C.
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According to insurance company figures, British Columbia's enhanced graduated licensing regulations prevented over 17,000 accidents and saved 31 lives between 2003 and 2006.

British Columbia has introduced upgraded regulations to extend the novice and learner stages, raise the age for drivers needing supervisors, and limit passengers for new drivers.

The new rules will be introduced in January 2010.  Young drivers will be banned from using both hand-held and hands-free cellphones or electronic devices while driving.  Younger drivers aged 16-24 are more likely to be distracted by phones or MP3 players because of their inexperience at the wheel, according to the insurance company for B.C. drivers.

I wonder why more experienced drivers are immune from the distraction of hands-free devices?

There will be more restrictions coming in future years, but this is a good start in preventing needless automobile injury and death - and in restraining insurance premium increases necessary to pay damages to those injured by negligent driving.  Government in Newfoundland and Labrador should take note.



Category: Keyword Search: compensation

11/2/2009
Chesley F. Crosbie, Q.C.
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Breast Cancer Settlement: How Much and When Paid?

Here are the answers to questions from class members.

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3/9/2009
Ches Crosbie
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Eastern Health to Divide and Conquer?

Do people who did not have a change in test results have a claim for mental and psychological distress and anguish in the Breast Cancer Testing Class Action?

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