January 24, 2012

Police Need More Education – Dangers of Kids and Cars

I saw an article recently where RCMP in Ladysmith British Columbia are reminding parents to teach their children to know when it is appropriate to call 911. The proper understanding in use of 911 is something that every parent needs to know.

However, what struck me as most important about the article is that the RCMP need some better education themselves about what constitutes a potential emergency.

The article describes an incident where a sleeping child woke up after being left alone in a car by his parent. The child was upset and used a cell phone to call 911.

The article gives the impression that the police were of the view that this was not an emergency and not a proper use of the 911 emergency service.

The child's parent has since explained what constitutes a real emergency, said the officer.

I beg to differ. The police spokesperson in this case obviously need some education about the dangers of leaving children alone in cars.

Hundreds of children die every year in non-collision incidents involving cars.

For example, children can be seriously injured or die as a result of hyperthermia (heat stroke), hypothermia (freezing to death), strangulation from electric windows, collisions after being struck by another car, among a host of other potential dangers.

KidsandCars.org has established its first international chapter in Canada to help educate the public about the potential dangers that cars can pose to children.

Kidsandcars.org reminds parents and guardians that children should never be left unattended in a car.

I think the child in this news story should be congratulated rather than chastised. If anyone should be receiving a talking to it is the parent who left their child alone and the police for not realizing how potentially serious this incident could have been.


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January 19, 2012

Great Video for Parents and Children about Brain Injuries

As a brain injury lawyer I have heard many explanations from many different experts about how brain injuries happen and the functional problems brain injury can cause.

I wanted to share this video because I think it is a great educational resource. The doctor who created the video provides one of the best explainations I have seen about how concussions happen and the kind of consequences they can cause.

The video helps parents know what kind of symptoms to look for and what to do to help your child if they have suffered a brain injury.

The video is just 5 minutes. It is time well spent.

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December 20, 2011

Halifax Regional School Board to Comply With Legislation to Make Children Safer on School Buses


Starting in January 2012 the Halifax Regional School Board will begin to comply with Provincial regulations requiring children under age nine or smaller than 4’9” and 40 pounds to be secured in a child restraint system while riding on school buses.

According to Doug Hadley, spokesman for the Halifax Regional School Board, HRSB is going to start weighing and measuring students who may fall under the provincial regulations.

The Seat Belt and Child Restraint System Regulations have been in place in Nova Scotia since 2007 and have been implemented in most school boards around the province. However, the Halifax Regional School Board uses a private contractor, Stock Transportation to run their school buses and HRSB has been late to introduce the changes.

Kids and Cars Canada is pleased to see that the Halifax Regional School Board is finally making changes to comply with provincial legislation which will help improve the safety of our children.

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November 15, 2011

Do Commercial General Liability Policies Cover Injuries to Employees? Sam’s Auto Wrecking and Lombard General Insurance

The Ontario Superior Court of Justice recently released reasons in Sam’s Auto Wrecking and Lombard General Insurance The case is interesting because it involves the relationship between worker’s compensation coverage, employee disability insurance policies and commercial general liability policies.

The Facts

John Ferber was employed by Sam’s Auto Wrecking Co. Limited. While helping other employees of Sam’s Auto Wrecking load a flatbed truck Ferber was seriously injured.

Unfortunately for Mr. Ferber, the owners of the business, Ken and Lorne Rochwerg had opted out of the provincially run Worker’s Compensation Insurance program. The owners had obtained disability insurance through a private insurer. But the disability policy didn't cover claims for personal injury, only temporary disability.

The Company's commercial general liability policy limited the liability of Sam’s Auto Wrecking for any claim brought by an employee for an injury incurred in the course of their employment.

Motion for Directions

The employer and the commercial liability insurer sought direction from the court as to whether or not the CGL policy covered Mr. Ferber’s injuries.

The court stated, at paragraph 12:

The central issue is whether or not the personal injury experienced by Mr. Ferber, indirectly at the hands of an employee at Sam’s operating within the scope of his employment, was or should have been covered by the commercial general liability policy which was part of the comprehensive business policy provided by Lombard.

The court indicated that there was a gap in coverage in the companies various insurance policies. At paragraph 65:

...in the section that describes “who is an insured”, there is no ambiguity. It cannot be said that it flies in the face of what is commercially reasonable. There is a WSIB scheme that provides disability insurance to its participants. The management team has its own private disability insurance. Yes there is a lacuna with respect to coverage for personal injury beyond disability insurance, but that was neither requested nor contemplated by the Rochwergs. That gap was equally not contemplated by Mr. McCarter, the broker. He did not request an employer’s liability endorsement.

The court concluded:

There was not coverage for the personal injury to Mr. Ferber either as an employee or an executive officer. The distinction between the two terms is academic. If it were not, the court would be inclined to say that Mr. Ferber was within the classic definition of an “employee”. He was not an independent contractor.

Why is it Important?

I am contacted by people who have been injured, in a variety of ways, on a regular basis. Often they assume because they have “insurance” either through work or otherwise that they are entitled to receive compensation for their injuries.

The Sam’s Auto Wrecking case points out that in some cases there may be a gap in the insurance coverage that can leave innocent accident victims with no recourse to insurance benefits.

Employees who think they are covered by group disability policies or private disability insurance should take the time to carefully read the terms of their policies and the exclusions contained in those policies. It may be that you are not as protected as you think.

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November 11, 2011

In Remembrance

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November 9, 2011

Nova Scotia Introduces New Insurance Reforms: Halifax Personal Injury Lawyer Explains

Today Graham Steele, the Minister responsible for Nova Scotia's Insurance Act announced new legislation to improve automobile insurance coverage in Nova Scotia. The Fair Automobile Insurance (2011) Act, will be introduced in the legislature today.

I was part of the Review Committe that provided advice to the province regarding what improvements needed to be made to Nova Scotia's Insurance system: McKiggan Appointed to Provincial Insurance Review Committee

Highlights of Changes

Overall the changes improve the insurance coverage avaialable to consumers in Nova Scotia.

Repair Claims Will Be Covered By Drivers Own Policy

Persons involved in a collision caused by another party can deal with their own insurance company to get repairs done or get compensation for property damage. This was change was implemented in order to simplify and speed up the process that car owners have to go through so that they can get their car back on the road as fast as possible.

No Claim - No Premium Increase

It has become commonplace for parties involved in an accident to pay for claims themselves rather than being hit with massive premium increases after an accident. Even if the accident wasn't there fault. The changes to the Insurance Act prevent auto insurers from increasing premiums for collisions where no claim was made and the driver paid for the damage, even if the driver was at fault.

Speed Access to Treatment

The legislation proposes to introduce treatment protocals that are designed to help injured victims get proper treatment faster.

Increase Medical Benefits

The legislation increases the minimum mandatory Section B Accident Benefits for things like medical and rehabilitation expenses, funeral costs, death benefits and income loss covereage for injured drives and passengers.

The changes increase the level of "no-fault" benefits to the same level as New Brunswick.

Optional "Full Tort" Coverage

The proposed legislation will allow drivers to buy optional (additional) insurance coverage that will give consumers the right to receive full compensation over and above Nova Scotia's New "Minor Injury" Cap (2010 to date)

Regular Review

Finally the legislation commits the province to conducting a review of automobile insurance laws in Nova Scotia every seven years.

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October 26, 2011

Chinese Toddler Dies and Creates Storm of Controversy

Last week staff at Guangzhou Military District Hospital announced that Wang Yue had died of the injuries she suffered when she was run down in a hit and run collision in China.

The collision, which was caught on video by a security camera, has raised a storm of controversy around the world because while she lay bleeding in the street almost 20 people walk or drive by the little girl and ignore her.

The video has raised questions about cultural differences between China and North America, legal issues about so-called Good Samaritan laws and moral questions about personal autonomy and our obligations to others.

I have discussed these issues in detail in an article published on my Atlantic Canada Personal Injury Lawyer blog. Please take a look and tell me what you think.

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September 29, 2011

Product Recalls are not Proof of Negligence: Johansson v General Motors of Canada Limited

Defective Products and Negligence

If a defective product is recalled does that prove that the product was negligently manufactured? That was one of the issues that Justice Murphy of the Nova Scotia Supreme Court had to decide in the recent case of Johansson et al v. General Motors of Canada Limited.

Driver Injured in Car Accident

The Plaintiff driver was seriously injured in a single vehicle accident when her car went off the road while she was trying to negotiate a left hand turn.

Several years after the accident the car she was driving, a Chevrolet Lumina, was recalled because of a defect in the pinion bearing in the power steering.

The case was set down for a trial before a jury. After the Plaintiff finished leading their evidence, the Defendants made a motion for non-suit. Essentially, the Defendants claimed that there was no evidence on which the jury could find that the Plaintiff’s Claim could succeed.

Defect Caused Crash

Justice Murphy found that the evidence of the product recall was prima facie evidence that the vehicle was defective. Justice Murphy also found that there was evidence that the defect had caused the accident.

Crash Caused Injuries

Finally, Justice Murphy concluded that the Plaintiff’s injuries were caused by the accident. Had the Plaintiff filed a claim in contract alleging that the Defendants had sold her a defective product then it appears that her claim would have been successful.

However, Justice Murphy noted that the Claim was pleaded in negligence.

In a negligence case the Plaintiff must prove that the Defendants breached the relevant standard of care. In other words, did the Defendant do something a reasonable person (or in this case a reasonable company) would not have done? Or did the company fail to do something a reasonable company would have done. In any negligence claim, the plaintiff bears the burden of proof.

Failed to Prove Standard

Justice Murphy found that a product recall does not, by itself, establish the applicable standard of care or that the standard was breached.

In commenting on the standard of proof for product liability claims, Justice Murphy stated:

“In the context of product liability, it is clear that the trial judge is responsible for informing the trier of fact that the applicable legal standard of care on the defendant was "to use reasonable care in the circumstances and nothing more" (Phillips at para. 49). In my view, it is irrelevant whether the translation or application of that standard to the facts is characterized during trial as a question of mixed fact and law or as a question of fact, because in either case, the responsibility for this translation falls on the trier of fact. The trial judge may instruct the trier of fact on the appropriate factors that may be considered—for example, the defendant's expertise, the riskiness of the product, the defendant's knowledge of that risk, industry standards, et cetera—but it is ultimately for the trier of fact to apply the standard of care in the circumstances and determine whether the defendant's conduct breached that standard. … In this case, the plaintiff presented no evidence addressing the standard industry practice of an automobile manufacturer, assembler or distributor with respect to parts supplied by other parties. Such evidence might include answers to the following questions: Is it industry practice for a manufacturer, assembler or distributor to test such parts? If so, what kind of testing is normally performed? Does the testing depend on the type of part and the level of risk posed by a failure of the part? Would a standard manufacturer, assembler or distributor be expected to discover an improperly crimped lower pinion bearing, such as the alleged defect in this case?”

What does it mean?

The plaintiff always has the burden of proving their claim at trial. So it goes without saying that the plaintiff (or their lawyer) must know exactly what facts they will need to prove to establish prove each element of the pleaded causes of action.

When filing a lawsuit involving a claim that a product is defective, it is important to examine all the facts to determine whether there are different types of claims that can be pleaded (for example breach of contract as well as negligence).

Just because a product has been recalled for safety reasons does not automatically mean that a person who has been injured by the product is entitled to compensation. Consumers should consult with a lawyer to learn what their rights are, whether they may be entitled to compensation, and what they need to prove in order to establish their right to be compensated.

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September 8, 2011

Whiplash Injuries and Nova Scotia's "Minor Injury" Compensation Cap

Since 2003 Nova Scotia has had some form of a cap on the amount of compensation innocent accident victims are entitled to receive for their non-pecunaiary damages (what most people refer to as "pain and suffering"). For more information you can read:

Nova Scotia's Cap on Compensation for 'Minor Injuries' in Car Crashes (2003 - 2010)

Although the cap has been in place now for eight years there are few reported decisions where the courts have interpreted what the definitions in the legislation actually mean. As a result, there is still debate between lawyers and insurance adjusters and defence lawyers about what injuries are "capped".

Case in point. Today I received an email from Tom Stanley, a physiotherapist who has treated, and helped, a great many of my clients over the years. He was reading some of the information on my website that we provide to help educate the public about personal injury claims. He was reading our page about the latest changes to the minor injury compensation cap: Nova Scotia's New "Minor Injury" Cap (2010 - 2011)

I had indicated that some of the signs of a WAD 3 injury included tingling or numbness. Tom pointed out that, strictly speaking, tingling and numbness is actually a symptom, rather than a sign.

I have included Tom's helpful explantion of the difference between signs and symptoms below:

What is the difference between a sign and a symptom?

Essentially, a symptom is what the patient tells you that he or she is feeling. For example, back pain is symptom that a patient reports. Nobody can independently verify the presence of this pain, thus we look at this as a reported symptom.

A sign is an actual physical manifestation of an illness. For example, a high temperature, a lost reflex, an irregular heart rate, are all physical signs of potential illness. An examiner can assess and find these signs of illness.

Neurological symptoms include:

Reported feelings of numbness
Reported feelings of pins and needles (paraesthesia)
Reports of pain radiation, associated with paraesthesia

Neurological signs include:

Lost or reduced reflexes
Lost or reduced sensation feeling in a region (sensory impairment)
Lost or reduced movement (motor impairment)

I have corrected the information on our website. Thanks Tom!

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September 6, 2011

APM Law - Scholar Athlete Program

It's the first day of the school year here in Nova Scotia and we are very excited to announce our new Scholarship program for outstanding high school student - athletes.

All of the lawyers at APM Law know the dedication, discipline and sacrifice it takes to be both a good student and a competitive athlete. We know how these traits can help lead young persons to success later in life. So we started our Scholar Athlete Program to acknowledge grade 12 student-athletes who exceed expectations in class and in athletic competition.

How Does it Work?

Each week from September to the end of May, a grade 12 student in Nova Scotia will be selected as the APM Law: Scholar-Athlete of the Week and awarded a $100 scholarship to recognize their dedication.

In June, APM Law will host a banquet for all our scholar-athletes and their parents-guardians. One female and one male student–athlete will be selected as the APM Law: Scholar-Athletes of the Year.

Each winner will be awarded a $1,000 scholarship and receive a commemorative trophy to honour their achievement.

Who Can Nominate?

Anyone can nominate a Scholar-Athlete; fellow students or athletes, parents, coaches, teammates, teachers, or school administration.

Selection Criteria

In order to be honoured as the APM Law: Scholar-Athlete of the Week, the student must attend grade 12 at a high school in Nova Scotia, have a minimum of an 80% (B) average, and provide details of their outstanding accomplishments in his or her sport(s).

Persistence Pays Off

Just like in sports and the rest of life, persistence can pay off. If a nominee isn’t selected the week they are nominated, we keep their nomination form for re-consideration during the rest of the school year. It doesn’t hurt to re-nominate a candidate and let us know about further accomplishments.

"Where Can I Find More Information?"

You can get more details and download a registration form our web page at apmscholarathlete.ca or you can check out our fan page on Facebook.

Please circulate this notice to anyone you think may be interested and help us recognize Nova Scotia's outstanding student athletes!

Can You Give Us Some Feedback?

This is a new program for us at APM Law so please give us some feedback by leaving a comment to tell us what you think, and what we can do to improve the program.

APM Law: Scholar- Athlete Program
Arnold Pizzo McKiggan
306-5670 Spring Garden Road
Halifax, Nova Scotia B3J 1H6
Website: www.apmscholarathlete.ca
Email: scholarathlete@apmlaw.ca

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August 26, 2011

Hurricane Safety Tips

Media reports indicate we may experience our first hurricane of the season this weekend. It doesn’t look like hurricane Irene is going to be anywhere near as powerful as hurricane Juan. Nevertheless, hurricanes are powerful and dangerous events that can cause significant damage and injury.

Therefore I thought it would be helpful to post a couple of tips to help folks prepare.

Prepare Your Safety Kit

Put together a waterproof plastic bin that you can keep in storage with your “Emergency Safety kit”. Consider including the following items:

• A first-aid kit and prescription medication;
• Canned food for four days (and a can opener);
• Three gallons of water per person;
• Ponchos;
• A “hand crank” flashlight and radio (that don’t require batteries);
• Disposable plates, cups, utensils;
• Infant care items (ie. disposable diapers, baby wipes, baby food/formula);
• Matches and a couple of cans of Sterno

Prepare Your Property

• Clear all patio furniture from decks;
• Secure your BBQ or any other loose objects around your property;
• Bring in flags, patio umbrellas or awnings;
• Don’t park your car under a tree;
• Remove lawn ornaments or decorative wreathes.

General Preparedness

• Fill your car’s gas tank and buy nonperishable food supplies;
• During the storm stay inside and stay away from windows;
• Stay away from coastal areas to avoid flood waters or storm surges.

Have a safe weekend everyone!

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August 23, 2011

Injuries Increase as Temperatures Rise

According to a recent report from the Canadian Institute for Health Information an average of 45 Canadians are hospitalized every day in the summer as a result of injuries from wheel and water sports.

“Summer is a great time to be active and enjoy the outdoors, but it is also a peak period for motor vehicle injuries and trauma related to wheel and water sports,” said Greg Webster, director of Primary Health Care Information at CIHI.

CIHI has been collecting data for the last 10 years. Their investigation show that cycling injuries account for half of all sport and recreation related hospital admissions.

Thousands of Cycling Injuries Every Year

In 2009-2010 more than 4000 Canadians were hospitalized as a result of cycling injuries with almost half of those injuries occurring in the months of June, July and August.

Good News

The good news is that while the number of cycling injuries that resulted in hospitalization has remained stable over the last 10 years the number of head injuries has decreased significantly (from more than 900 to 665) for the same period.

Nova Scotia Among Fewest Injuries

When the data is broken down by province hospitalization results were highest in the west (British Columbia and Alberta) and lowest in Ontario and Nova Scotia. No doubt that has to do with Nova Scotia’s early adoption (in 1997) of mandatory helmet legislation. Reseach published by the Canadian Medical Association Journal suggested that the rate of cycling head injuries in Nova Scotia dropped by more than 50% after the introduction of the mandatory helmet law.

Public Education Still Needed

While the results are encouraging, Canadians still have a long way to go. The other night I was walking though Hemlock Ravine Park when a family (two adults and three children) rode by me on mountain bikes. All three of the children had helmets on but neither one of the adults did.

Another example of the old saying: “Do as I say, not as I do”. Perhaps mom and dad would be more likely to wear their helmets if they read the CIHI report that found that 78% of cyclists who were hospitalized with a head injury were not wearing their helmet when their injury occurred.

Have a safe day and enjoy what’s left of our summer.

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