• Your Next Steps

    1 Get the names and contact information for all witnesses and people involved in the accident.

    2 See your family doctor. It’s important to get medical attention right away—not only for your claim but to increase the chances of your full recovery.

  • 3 Know the particulars of your insurance policy. Coverage offered by long-term disability insurance differs, depending on the insurance company you’re dealing with and the plan you have. Make sure you have a copy of your plan and bring it with you when you meet with us. For motor vehicle insurance, you don’t need a copy of your policy but you’ll need to know if you have paid for any optional benefits.

  • 4 Be obsessive about record keeping. It’s hard to go back and piece together what happened long after the fact. Keep a diary related to your injuries and economic losses. Document your phone calls. Print out copies of emails. Take your own notes when you meet with healthcare providers. Keep it all together in a file you can add to and reference. Ask friends and family members who are involved in your care to keep their own notes, too—they may be eligible for financial compensation for their expenses as part of a settlement. At the very least, their information could strengthen your case.

  • 5 Keep all receipts related to your claim. Expenses might include medication, house cleaning, private care providers, transportation and parking, assistive devices and more.

    6 Watch what you say. Your insurance company is looking out for its best interests, not yours. Be careful about the information you share with the adjuster. There’s no getting around paperwork—you’ll have to fill out forms and provide details of your injury before your insurer will consider your benefits claim—but it’s best to speak with a personal injury lawyer before you communicate with the insurance company.

  • 7 Remember that your case is unique. Every neighbour, friend, coworker and family member who’s been involved in a personal injury claim will have a story to tell…but remember: they’re experts in their case, not yours. Accept their advice with a smile…and talk to a personal injury lawyer.

    8 Start now. Delays can hurt or even eliminate your chances of obtaining accident benefits or filing a successful suit. Put your claim at the top of today’s to-do list. We’ve listed some important timelines below.

  • 9 Contact us for a free consultation. A phone conversation with Michael is the most important step you can take. We promise to listen carefully and offer our expert opinion on your options. At the end of the conversation you’ll have a strategy in hand and a weight off your shoulders.


    Within 7 days of your accident
    Notify your accident benefits insurer.

    Within 30 days of your accident
    Apply for accident benefits.

    Within 2 years of your accident
    Begin a court case (tort claim) against the person or people who are at fault for your accident or file a claim against your insurer if you’ve been denied accident benefits.

Your Next Steps

What you do after your accident can make or break your case. Our helpful tips will set you up for success.

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