Halloween Safety Tips

With Halloween just a few weeks away, it is important to go over the basic safety tips with children and adults to avoid any accidents while enjoying the holiday festivities. Due to the pandemic, the world has not been able to celebrate the spooky season as usual and activities and celebrations needed to be adjusted to ensure everyone involved stays safe and healthy. This year, it is important to take the same approach with health in mind, but as the seasons change so do the protocols and safety measures.

Here are some classic and new ways to stay safe while having fun.

 

Make a Game Plan

 Since spookiness and mystery are a big part of the spirit of Halloween, many activities people participate in occur at night in the dark. While thinking of your costume this year, it is best to consider light colours and bright features, like reflective tape, so that you are easier to spot. Discuss with your friends or loved ones where you will be going and how to communicate, whether you are going to a party or even trick-or-treating. Choose a well-lit area that the group knows well and try to stick together. Having a safety plan and agenda is crucial for a night when more pranks and mischief are occurring. Even with a well-thought-out plan accidents can still unfold amongst the fun. After calling 911 in an emergency, call #1000 for expert help from the personal injury lawyers at Dye & Russell.

 

Supervise the Fun

With all the excitement of creative costumes, haunted houses, parties, and trick-or-treating comes many opportunities for accidents to happen. Supervising the activities is crucial to avoid any injury that could interrupt the holiday festivities. After trick-or-treating, all the candy the kids have proudly collected needs to be examined and sorted to detect any tampering or allergies. Any candy that seems suspicious should be tossed out immediately and kept out of children’s reach. Along the same lines for adults, it is important to not consume any suspicious drinks or food and to monitor how much is consumed. We cannot keep track of what is going on around us 24/7 and accidents may happen in those moments. After an accident, it is smart to contact a personal injury lawyer, like the ones at Dye & Russell, to understand your next steps and the resources available to you.  We are here to support you after a personal injury and help you along the road to recovery.

 

Caution About Stranger Danger

Talk with your loved ones about which houses to approach when trick-or-treating and the dangers of strangers on Halloween. Amongst the costumes, masks, and makeup, it can be harder to recognize the people around you, especially at night. Inform your loved ones not to approach homes or buildings with the lights off, ones that have no decorations, and explain the dangers of entering a stranger’s home. Stay in your groups and with the people you know to have a fun and memorable holiday.

 

Even when precautions are taken, accidents can still occur. If you or a loved one has been involved in an accident, contact the professionals at Dye & Russell today for your FREE Claim Assessment and more helpful resources. Reach us toll-free at 1-877-883-6171 or visit us online to speak with a live agent. Your road to recovery is important to us.

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Boating Safety Tips: What You Need To Know

The warmer months are here and that means enjoying the sun and summer activities. Boating is incredibly popular with things to do like tubbing, water skiing, fishing, or swimming out in the lake. These are all fun things to de-stress and enjoy this sunny season, but nevertheless, it is crucial to be aware of boat safety rules and regulations. According to the Canadian Red Cross there are over 125+ preventable boating-related fatalities that happen across Canada each year.

If you are your loved ones are planning on enjoying some time on a boat this summer, then here are some ways to prepare for the ride and minimize the risk of injury:


Make a Checklist

It is easy to get caught up in the excitement of getting out on a boat— having a thorough checklist to go over before taking off is a great way to be prepared for any possible emergencies out on the water.

Check the Weather

Take a look at the local weather forecast. The days leading up to your departure is crucial to ensuring you are aware of any possibly changes that could put you in danger. Avoid strong or rough winds, darkening clouds, temperature fluxes, or changes to the waves. Getting caught in a storm can result in serious injury to you or your passengers. If you find yourself in this position our lawyers at Dye & Russell know what to do to get you the compensation you deserve. Do not delay, contact us today if you have sustained injuries or damages on a boat in Ontario.

Develop a Float Plan

Inform a family member or marina staff of your contact information and emergency plan of action. Letting someone know this information along with trip destinations, the warning or help signals to be used, and your boats registration information can be critical in getting you to safety if an emergency occurs. Even the most experienced boaters can sustain injuries or be involved in accidents out on the water. Dye & Russell has the experience to help in your boating accident personal injury case.

Have your tools ready

There are many items that you need to have onboard to ensure everyone is safe while out on the water. Some items and equipment you will need but are not limited to:

  • Life jackets
  • First aid kit
  • Sunscreen
  • Food and water
  • Proper identification, licenses, boat documentation
  • Cellphone and wireless charging bank
  • Electrical tape
  • Emergency flashlight
  • Distress signals
  • Fire extinguisher
  • Extra fuel
  • Emergency paddles
  • Blankets

Wear A Life Jacket

Did you know the Red Cross reported that less than 50% of Canadians always wear their life jackets when boating? Life jackets are crucial in the prevention of accidental drownings and even help in preventing hypothermia when exposed to cold water conditions for too long.

Besides being a legal requirement, another reason to have life jackets on board is for individuals that may not know how to swim or are generally weak swimmers. In the event of an accident where flooding occurs and your boat begins taking on water, the risk of a slip and fall injury increases. Wearing a life jacket can save a life if someone were to slip and fall into the water or experience a head injury.

Exploring the many great lakes and waters that Canada has to offer is exciting but knowing proper boat safety is key in achieving an accident-free summer. There are many opportunities for injury with all of the different types of activities to enjoy in or on the water, knowing who to contact in the wake of an accident will reduce the stress and anxiety related to your injury.

 

If you or a loved one has been involved in an accident, contact the professionals at Dye & Russell today for your FREE Claim Assessment and more helpful resources. Reach us toll free at 1-877-883-6171 or visit us online to speak with a live agent. Your road to recovery is important to us.

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How Do I Know If I Need a Personal Injury Lawyer?

After experiencing a traumatic brain injury (TBI) or other serious injury, focusing on your recovery and getting the appropriate medical attention is important. If the injury occurred in a motor vehicle accident, at work or home, contacting an experienced personal injury lawyer can help you understand your legal rights. A lawyer can also help explain your options if your injuries were the result of negligence or malpractice.

There are many reasons why contacting a personal injury lawyer is in your best interest. Here are our top four:

 

1.    A personal injury lawyer will help answer your questions.

Anyone that has been seriously injured or had a loved one struggle with a major injury undoubtedly has questions. Personal injury lawyers with experience handling serious injury cases can help answer your important questions, such as “What happened?” and  “Do we have a case?”.

A personal injury lawyer will conduct a factual investigation through interviews, review of records, and through the experience of professional investigators/consultants to gain information leading up to and at the time of your injury.

The insurance companies representing any possible defendants will be conducting the same type of investigations. The experts at Dye and Russell have experience working with insurance companies and know how to get you the settlement you deserve.

 

2.    A personal injury lawyer will help you understand why an injury may have occurred.

Individuals that have experienced a traumatic brain injury (TBI), as well as their families, may not recognize that other individuals or entities may have contributed to their injury.

A lawyer will be able to assist in identifying all the individuals or entities that may have been a contributing factor to your injury. They will also ensure that those responsible are held accountable to the full extent of the law.

 

3.    A personal injury lawyer will help you understand your rights so you can make informed decisions.

Many serious injuries, such as a severe traumatic brain injury (TBI), are often permanent and require a considerable number of medical treatments and/or ongoing care.

Speaking with a personal injury lawyer as soon as possible, like the ones at Dye and Russell, will help preserve your right to civil action. Our experienced lawyers will work with you to understand your options and help you make an informed decision about moving forward with your case.

 

4.    A personal injury lawyer will help ensure you are fully compensated.

We understand how injuries impact you and your family in the present and how you will be impacted in the future.

The lawyers at Dye and Russell will work to ensure you and your family receive the maximum settlement that you are entitled to for current and future medical expenses. A personal injury lawyer will also seek compensation for current and future pain and suffering, both physical and mental, as well as any loss of wages.

 

Consulting an experienced personal injury lawyer in the wake of an accident is in your best interest. A lawyer will answer your questions and help you understand your rights or why an injury may have occurred. They are there to make sure you receive the maximum settlement you deserve so you can make a full recovery.

Contact the team at Dye and Russell today by calling 1-877-883-6171 or fast dial #1000 from your cell phone.

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Hit and Run Accident: Why You Should Contact A Lawyer

A hit and run accident is an accident where one of the parties involved leaves the scene of the accident. Often the vehicle that leaves the scene is unidentified and has failed to exchange information with the other driver, however, this is not always the case. There are instances where the other vehicle has been successfully identified whether by someone at the scene or at a later date. Hit and run accidents can also involve pedestrians who have been struck by a vehicle that has then fled the scene.

Leaving the scene of a hit and run accident between vehicles is a criminal offence under the Highway Traffic Act – especially if an individual is injured because of the accident.

These types of accidents can have serious consequences. It becomes harder to determine liability and collect accident details when there is no one at the scene to be held accountable or question. Hiring a skilled personal injury lawyer right away will help ensure victims are fully compensated.

 

Accident Claims
Even if an individual is involved in a hit and run accident that results in injury and the other vehicle cannot be identified, our team of professionals will find you coverage through your own insurance policy. In Ontario, the standard policy of insurance, referred to as OAP 1, contains provisions that allow you to seek recourse through unidentified and/or uninsured conditions of your own insurance policy. An experienced lawyer at Dye and Russell can help explain these legal difficulties & help recover fair compensation for your injuries.
Persons injured as a pedestrian, even while lacking an OAP 1, are still eligible to receive compensation. The Motor Vehicle Accident Claims Fund (MVACF) is a provincial body, set by the Province of Ontario, to assist persons without insurance. It is through this fund that a person can obtain accident benefits. Connecting with a personal injury lawyer is the best way to ensure you receive fair compensation.

 

Working with a Personal Injury Lawyer
When you work with a personal injury lawyer from Dye and Russell, we’ll make sure you have access to certain types of benefits and provide the help you need to navigate the system of insurance. Often times people think because the vehicle or person responsible for the accident cannot be identified, they have no options.
Our lawyers have experience working with big insurance companies and know how to get you maximum coverage. It is our responsibility to help identify the opportunities of recourse available to you. For instance, your own insurance policy. Any dependents, such as a spouse or child, are able to seek legal remedy under that policy.

 

Contacting a Personal Injury Lawyer
An expert lawyer from Dye and Russell can help you navigate the insurance system and help you get the fair and rightful compensation you deserve. They can assist with getting access to additional coverage under your policy and help you understand the legal side of your case.

 

If you or someone you know has been involved in a hit and run accident, call the professional lawyers at Dye and Russell today at 1-877-883-6171.

 

 

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What You Should Consider When Disputing an Insurance Claim

 

Everyone knows that dealing with the big insurance companies can give you a headache and have you running around in circles with no answers. Policies can be so complex that sadly, insurance companies have often used their inside knowledge to take advantage of insureds through policy loopholes. This can leave insureds at a standstill in regards to their insurance claims and even result in a claim being denied.

Insurance is one of those things that you love to hate but have it anyways. It gives you and your family the protection they will need if something should happen to them or yourself. However, even if you are paying your bill on time each month and never miss a payment, insurance companies will look to find the cheapest way to pay out your claim to save money for themselves, if they pay out at all. This can be the last thing you want to deal with when you’re faced with a loss.

Here are four steps to consider when resolving a dispute with an insurance company.

Gather information

  • Insurance policies aren’t always easily understood by the average person. Ask your agent, broker or insurance representative for clarification about your concern/issue. The rights and responsibilities of all parties are written within the policy (aka contract), however miscommunications can occur.
  • If you have general questions you can contact the IBC Consumer Information Centre (CIC). They can assist with basic questions about policy wording, coverage or how to proceed with a complaint

Get in touch with the insurance companies Complaint Liaison Officer or Ombudsperson

  • Licensed insurers have a complaint resolution process, and someone assigned to enforce this process. This role is regulated by the provincial regulator.
  • If you plan on making a complaint through this channel, be sure to state your complaint clearly, including the expected resolution. Be sure to have all your documentation readily available and take note of all persons you spoke with regarding the complaint as well as what was spoken about. Finally, give the Complaint Liaison Officer or Ombudsperson sufficient time to investigate & respond to your complaint.

Reach out to the GIO (General Insurance OmbudsService)

  • If you’ve gone through your insurers complaint processes and aren’t satisfied you can request a Final Position Letter and contact the GIO. The GIO is an impartial consumer dispute resolution system. It is in place to help you and the insurer resolve disputes about claim-related matters.

Take it to the Federal or Provincial level

  • If your dispute cannot be solved by the GIO, or if the insurance company isn’t a member of the GIO, you can take it a step further by contacting a Financial Consumer Agency of Canada.

Dye & Russell should be your first call if you’re having issues claiming insurance compensation. We have the experience and knowledge of the industry that keep us from being pushed around by policymakers. Let us handle the big insurance companies and take the stress away from you to get you what you deserve.

If you’ve experienced a claim denial or want to dispute a claim, and need legal assistance, call #1000 on your cell phone for free. We will offer you a free claim assessment.

 

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Understanding the Levels of Spinal Cord Injury

Accidents that result in a spinal cord injury can be scary stuff. The spine is made up of vertebrae and depending on the location of the injury there can be life changing effects, like losing the ability to walk or use other parts or functions of the body all together. Generally, injuries have a greater severity and dysfunction tends to occur the higher up the injury is on the spinal cord.

The spine is split into 3 levels; the lower back containing lumbar and sacral nerves, the thoracic nerves in the mid-back and the upper back with the upper and lower cervical nerves. These are some of the outcomes that can be expected if a spinal cord injury is sustained.

Lower Back

Lumbar nerves (L1 – L5)

  • Often, insured parties suffer from loss of function in their hips or legs.
  • There is limited or no voluntary control over the use of the bladder or bowel. However, with the use of special equipment this can be managed on their own.
  • Use of a wheelchair or leg braces may be required depending on the strength of their legs.

Sacral nerves (S1 – S5)

  • Like lumbar nerve injuries, there is often some loss of hip or leg movement as well as limited or no voluntary use of the bladder or bowels. Persons can manage this with use of special equipment.
  • There is a likelihood that walking will occur.


Mid Back

Thoracic nerves (T1 – T5)

  • Injured nerves impact muscles in the upper chest, mid-back and abdominal areas.
  • While hand and arm function may be normal, often times the trunk and legs are affected (known as paraplegia).
  • Persons will typically be able to use a manual wheelchair and eventually drive a modified vehicle. Others will be able to stand in a standing frame or walk with leg braces.

Thoracic nerves (T6 – T12)

  • Tends to result in paraplegia with normal use of the upper body.
  • Persons can maintain control and their balance when in the seated position.
  • May experience some productive coughing if the abdominal muscles are intact.
  • As with the thoracic nerve T1 – T5 injuries, persons most likely use manual wheelchairs, learn to drive modified vehicles, stand with a standing frame and some even walk with braces.

Upper Back

High-cervical nerves (C1 – C4)

  • This most severe level of spinal cord injury; results in complete paralysis of the arms, hands, trunk and legs
  • Generally, persons are unable to breathe, cough, or control bowel or bladder movements on their own.
  • Requires assistance with daily living activities (e.g., bathing, eating) and needs 24-hour a day care.
  • Cannot drive motor vehicles on their own however may be able to use a powered wheelchair with special controls.
  • Speech can also be impaired or reduced.

Low-cervical nerves (C5 – C8)

  • Nerves in this group control the arms and hands
  • This level of injury may allow a person to breathe and speak normally on their own.
  • Each of the vertebrae in this level affects different nerves and muscles and depending on the specific vertebrae that is injured, have different outcomes
    • Injury of the C5 vertebrae for example may leave a person with the ability to move their hands and arms and bend their elbows while an injury of the C7 could mean the person’s elbow and finger extension range is impacted.
    • Injuries of the C6 typically cause paralysis of the hands, trunk and legs where as C8 injuries can affect hand movement and the ability to grasp and release objects.

 

No matter the level of spinal cord injury that a person faces, it is life altering. A task that used to be easy, maybe even taken for granted, is now difficult and could require assistance. Sadly, spinal cord injuries affect approximately 85, 000 Canadians with an average increase of 4000 per year.

 

If you have been injured and need legal assistance, call #1000 on your cell phone. We will offer you a FREE claim assessment.

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5 Common Liability Claims Faced By Homeowners

Home is supposed to be a safe place, not just for you but anyone that comes on to your property. You try to take care of your lawn & trim trees, shovel snow in the winter and fix uneven floorboards on your deck. Sometimes you’re better than other times.

Even with all that upkeep, there are possible hazards in your home and on your property that could cause (accidental) harm to others. A simple slip & fall could land you a hefty bill if a lawsuit is filed & your home insurance policy doesn’t fully cover you.

These are 5 common liability claims that a homeowners could face.

Dog bites

Did you know that most insurance policies cover damages or injuries that are caused by members of your household? Probably. But did you know that pets are often included in that coverage? Apart from some dog breeds, dogs that are at a lower (perceived) risk of biting are considered members of your household & therefore covered by your policy.

In the home or on the property

Accidents ranging from a guest tripping on a carpet that isn’t properly secured or falling through a broken stair are fair game. Even those door-to-door salespeople who come on to your property without your permission. Neglect on your part to clear a sidewalk or path to your front door could mean you’re left on the hook.

Guests under the influence

Hosting a party at home or an event at another location, the liability you have over your guests remains in place. When alcohol is involved and a person becomes intoxicated, any harm they may cause to another person or to property could be your responsibility. Hiring a bartender can help monitor the amount of alcohol guests are consuming.

Falling trees

The extra weight of snow and ice weigh down small trees and branches makes them prime candidates for snapping off and crashing into whatever’s below. It’s a good idea to trim trees and any overhang in the fall before things freeze.

Domestic workers

It is becoming more common for families to hire help around the home. From nanny’s to maintenance workers each person hired to work on your property increases your liability should that person get injured while at work. Sometimes workers can have workers compensation in the event of lost wages, so it’s important to do your research ahead of time.

If you have been injured, and need legal assistance, call #1000 on your cell phone for free. We will offer you a free claim assessment.

 

 

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How self-care can help injury recovery

Self-care—it’s one of those buzz words that’s been floating around, entering the everyday and medical world. But what does it really mean?

The fact that self-care is very personal and situational can make it hard to define, but a general definition is that self-care is “any necessary human regulatory function which is under individual control, deliberate and self-initiated.”

Practicing self-care can be a valuable practice that can be catered to anyone’s recovery journey. While your individual injury and situation can dictate what you are capable of doing for yourself (and what will work for you), incorporating self-care into your life can be a key skill to aid in your recovery and adjusting to your new life post-injury. It can help you put yourself in charge of your recovery.

Physical Self-care

After an injury it is likely that your physical needs will change. Whether that’s how long you need to sleep for every night or your eating habits, talking to your doctor about the physical aspects of your life that you will need to adjust after your injury is key to equipping yourself with the knowledge required to make the life adjustments you need.

Making sure you are getting the appropriate amount of sleep can ensure that your body can get the rest it needs to help itself repair. Eating nutritious food that fuels your body is important to giving yourself what you need during and after recovery. Also doing activities within your abilities to energize your body can help you feel better, like stretching, swimming, running, doing yoga, etc.

Mental Self-care

An injury can bring a lot of stress into your life. While stress can be helpful by giving you the ability to deal with challenges and threats you face, lots of it over time can take a toll on you. What helps people destress is a very personal thing. If you already know things that help you destress make time for them in your life. But, if you don’t know what can help you destress, or if you are no longer able to do what used to help you relax before your injury try some new ways and see what works. Taking a long bath, starting a meditation practice, and/or finding a new hobby are all things that could help.

Emotional Self-care

Self-care can also help you cope with the emotional toll an injury can take on your life. Spending time to dedicate to your emotional health, like seeing a counselor, journaling, taking time to talk and spend time with people you love and/or writing down gratitude lists can help

you be with the range of emotional challenges an injury can force you to experience. Among them learning to adjust to your life post-injury can be difficult. Trying to write a new mission statement for your life going forward is a great way to frame your new perspective of success and fulfillment.

Self-care after an injury makes you an empowered member of your circle of care—the team that is there to help you on your recovery journey. Another important member of your circle of care is a personal injury lawyer that can secure the legal, financial and personal support necessary following an accident. That’s where Dye and Russell can be there for you following your accident.

If you have been injured, and need legal assistance, call #1000 on your cell phone for free. We will offer you a free claim assessment.

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Getting back to green: economic recovery after injury

Personal injury can seriously impair your personal finances. Injuries can upend all areas of life, including your career and finances. While much focus is given to physical recovery, financial recovery is crucial as well.

Your financial situation can tie into your mental and emotional recovery and, in turn, your physical recovery. Here are some tips for getting back to green after a personal injury:

  1. Consider a new line of work

An injury may make you unable to return to your past line of work (if it’s too unsafe or demanding). This can be very frustrating, especially if you were very passionate about your previous line of work or if you have been very successful in your career. However, there are other career possibilities ahead that may be better suited to you post-injury.

You may even find a new career that you love even more. If you’re able to work in any capacity it can do more than bring you increased financial stability and momentum. Working can also give you a new sense of identity, personal achievement, social contacts, skills development and a sense of structure—all of which can help with your mental health and in turn your physical health.

  1. Ask for help

If you have family or friends that would be able to help you financially consider asking them for help. You might be surprised by their willingness to help, especially if they have seen the effects of a personal injury on your life.

  1. Budget wisely

Recovering from injury can tighten up your finances. Budgeting is vital and can reduce risk of debt or insolvency. If this task seems monumental, ask for help from a family member or friend. Find unnecessary expenses, that you made prior to injury, and eliminate these.

Budgeting creates a solid financial basis for later success. It’s important, when budgeting, to assess your needs and wants differently and to be ruthless and honest with yourself and your finances.

  1. Get legal help

If you’ve been injured, damages may be owed to you. It’s crucial to ask for legal help. A personal injury lawyer can help you to navigate the best course of action. Further to this, they will be able to get you more money than an independent inquiry. These extra funds can be critical for seeing you through recovery.

If you have been injured, and need legal assistance, call #1000 on your cell phone for free. We will offer you a free claim assessment. Find out what you’re owed and start your journey back to green.

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How to practice self-care as a caregiver

5 simple steps to take back your well-being

When you become a caregiver, often it’s your own needs that quickly take a backseat in order to put those you care about first. However, taking care of your own well-being is essential to be able to continue caring for those who rely on you, and as we practice self-care the person you care for benefits as well.

Taking small steps to maintain your well-being is essential. Here are some simple steps from the Family Caregiver Alliance you can take as a caregiver to help keep you burning bright instead of burning out.

1. Reduce stress

Stress stems from many different avenues, and it’s important to be cognizant of stress in your life, the forms it takes in your actions, where it comes from and what part of those stressors you can change. Next, explore de-stressing activities until you find one that works for you. Meditation, taking a walk, regular exercise or chatting with friends are all things you can try.

2. Take care of your physical health

You’re so focused on others’ physical health it can be easy to forget your own. Give your body the fuel it needs by making a full night’s sleep and eating nutritious food a daily priority. Incorporating exercise into your routine is important as well, even if for just 10 minutes a day. In addition to daily actions to take care of your personal health taking time to see a physician when you need to is crucial. Make your appointments at convenient times and go prepared with all your questions.

3. Seek and accept support

Knowing when you need help is a sign of strength. When it comes to needing support with your caregiving, break down things you need help with into simple tasks so it’s clear and easy for others to understand how to help you, or what you’re asking for. For example, you’re overwhelmed and cooking takes up a lot of your time. You could ask a friend who offered assistance to help you with preparing meals once a week. Seeking emotional support is also important as well. There is no shame in reaching out to friends, counselors or support groups when you need someone to talk to.

4. Be cognizant of your feelings/mind set

Since caregiving can be a very emotional it’s important to recognize what you are feeling. You are allowed to have a range of emotions about your life as a caregiver. Recognize what they are and if they become overwhelming or intense seek support and reduce stress. Changing your mindset can have a huge impact on your emotions. If you have an overly negative view of your situation try to change it.

5. Set goals

Starting a journey of self-care is a positive change but a life change nonetheless. Whether you are starting from the very beginning, or you want to improve your existing self-care, the change you seek to make in your life can fall away from your attention if you don’t keep yourself accountable. Setting goals and sticking to them is a great way to do this. Break down your goals into smaller achievable ones that will help you get there.

If you have been injured, and need legal assistance, call #1000 on your cell phone for free. We will offer you a free claim assessment.

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