Insurance Claims

Handwritten Insurance Claim Form with pen and calculatorIn our modern world, insurance is available to cover almost any imaginable risk. Insurance companies collect billions of dollars in insurance premiums each year, but when a claim is made, they can be reluctant to pay out on those policies. Insurance policies can cover your home, business, car, truck, motorcycle or boat.

If you have suffered a loss for which you have an insurance policy and your insurance company is denying your claim, the experienced lawyers at Paciocco & Mellow are available to help you. There are time limitations which limit the time which you have to make an insurance claim. It is important that you contact an experienced lawyer, such as the lawyers at Paciocco & Mellow, as soon as possible following the denial of your insurance claim or any difficulty with your insurance company. The experienced lawyers at Paciocco & Mellow are available to meet with you at the time and location which is most convenient for you to explain the options which you have regarding your insurance claims. The initial consultation with our experienced personal injury lawyers is free of charge and without obligation. Please call (519) 915-7673 to speak with one of the experienced lawyers at Paciocco & Mellow today.

Slip and Fall

SlippedPoorly maintained properties pose a risk to us all. Uneven or deteriorating sidewalks and parking lots, poor lighting, failure to clear snow and ice, failure to clear debris from the ground, use of slippery flooring surfaces, uneven floors, unmarked stairways or curbs, the presence of liquid on the ground and  poor structural design can all lead to falls which result in injuries.

The owners of properties, as well as property tenants, have an obligation to keep their in a safe condition for persons who enter onto the property. If you have been injured as the result of the failure of a property owner or tenant to keep the property in a safe condition, you may have a claim against them. Compensation from such a claim could include damages for pain and suffering, income loss, loss of the ability to complete housekeeping and home maintenance tasks, and medical treatments required as a result of the accident.

There are time limitations which limit the time which you have to make a claim as the result of a slip and  fall. These periods can be extremely short if the fall has occurred on property owned by a town or city or other government body, such as the road or sidewalk. It is important that you contact an experienced personal injury lawyer, such as the personal injury lawyers at Paciocco & Mellow, as soon as possible following your accident. The experienced personal injury lawyers at Paciocco & Mellow are available to meet with you at the time and location which is most convenient for you to explain the options which you have following a fall. The initial consultation with our experienced personal injury lawyers is free of charge and without obligation. Please call (519) 915-7673 to speak with one of the experienced personal injury lawyers at Paciocco & Mellow today.

Disability Claim

iStock_000002803980_ExtraSmallA disability which prevents you from working and carrying on your normal activities can have a devastating impact on your life, both financially and personally. In order to lessen the financial impact in the event of a disability, many people have obtained disability insurance in one form or another, be it a personal disability insurance policy or one sponsored by an employer, union or trade or professional association.

Disability can arise as the result of an accident or a medical or psychological condition. The type of disability coverage available to you and the amount available will depend on the terms of your disability insurance policy. The rules for submitting a disability claim to your insurance company can be complicated and difficult to understand and when an insurance company denies a claim it can be difficult to know what to do next. The experienced lawyers at Paciocco & Mellow are available to assist you in getting the disability benefits which you are entitled to.

There are time limitations which limit the time which you have to make a disability claim. It is important that you contact an experienced personal injury lawyer, such as the personal injury lawyers at Paciocco & Mellow, as soon as possible following the onset of your disability or the denial of your disability claim. The experienced personal injury lawyers at Paciocco & Mellow are available to meet with you at the time and location which is most convenient for you to explain the options which you have following disability or the denial of a disability claim. The initial consultation with our experienced personal injury lawyers is free of charge and without obligation. Please call (519) 915-7673 to speak with one of the experienced personal injury lawyers at Paciocco & Mellow today.

Truck Accidents

Accident with a truck on the roadThousands of heavy commercial trucks use our roads every day. The size and weight of these vehicles can result in accidents which are much more severe than those involving lighter passenger vehicles. The injuries sustained in truck accidents are often devastating and can include whiplash injuries to the neck and back, fractures, disc herniations, shoulder injuries, arm injuries, leg and foot injuries, soft tissue damage, nerve damage, lacerations, contusions and bruises, concussions and other closed head injuries, depression, anxiety and post traumatic stress disorder. If you or a family member has been injured in a truck accident, the experienced personal injury lawyers at Paciocco & Mellow are available to help you.

There are two main forms of compensation available to truck accident victims in Ontario, Statutory Accident Benefits and a lawsuit against the person or persons who caused the truck accident. Statutory Accident Benefits are available to the injured person from his or her own auto insurance company. If the injured person does not have his or her own auto insurance policy, Statutory Accident Benefits could be available from the auto insurance policy of a close family member, the auto insurance policy of the vehicle that the accident victim was riding in at the time of the accident, the auto insurance policy of another vehicle involved in the accident, or the Ontario Motor Vehicle Accident Claims Fund. Statutory Accident Benefits include benefits for such things as income loss, medical treatments not paid for by OHIP, and certain other expenses that may be incurred by the accident victim. The experienced personal injury lawyers at Paciocco & Mellow can assist you in obtaining the Statutory Accident Benefits which you are entitled to.

A lawsuit against the person or persons who caused the truck accident is another potential source of compensation for an accident victim. In circumstances where the negligent acts of other persons caused or play a contributing role to the truck accident, the accident victim may be able to sue the negligent person or persons. A truck accident victim can claim damages for pain and suffering, income loss, and expenses that have or will be incurred as a result of the car accident including for housekeeping, maintenance, medical treatments, medical devices and attendant care. Additionally, family members of the accident victim may also have a claim for damages for the loss of the care, guidance or companionship that the accident victim would otherwise have provided and for expenses incurred as a result of the accident. The experienced personal injury lawyers at Paciocco & Mellow can assist you in obtaining the compensation which you are entitled to.

As commercial trucks pose a unique risk to other road users, trucking companies often carry large insurance policies. It is important that a truck accident be investigated by an experienced personal injury lawyer as issues such whether the driver of the truck and the vehicle were properly licensed, whether the driver of the truck had proper training and whether the truck was properly maintained must be investigated.

There are time limitations which limit the time which you have to make a claim for Statutory Accident Benefits and to bring a lawsuit. It is important that you contact an experienced personal injury lawyer, such as the personal injury lawyers at Paciocco & Mellow, as soon as possible following your accident. The experienced personal injury lawyers at Paciocco & Mellow are available to meet with you at the time and location which is most convenient for you to explain the options which you have following a truck accident. The initial consultation with our experienced personal injury lawyers is free of charge and without obligation. Please call (519) 915-7673 to speak with one of the experienced personal injury lawyers at Paciocco & Mellow today.

Slip and Fall

Head Injuries

Injury PhotoInjuries to the head can result from many different types of accidents. Head injuries can include Traumatic Brain Injury (TBI), Acquired Brain Injury (ABI), concussion, skull fracture and closed head injury. A head injury may be diagnosed immediately following an accident, but it may take time for the symptoms to appear and for a diagnosis to be made. Symptoms of head injury include: headache; blurred vision or vision problems; dizziness; balance problems; memory problems; difficulty with concentration; and personality changes.

There are time limitations which limit the time which you have to make a claim as the result of a head injury. It is important that you contact an experienced personal injury lawyer, such as the personal injury lawyers at Paciocco & Mellow, as soon as possible following your accident. The experienced personal injury lawyers at Paciocco & Mellow are available to meet with you at the time and location which is most convenient for you to explain the options which you have following a head injury. The initial consultation with our experienced personal injury lawyers is free of charge and without obligation. Please call (519) 915-7673 to speak with one of the experienced personal injury lawyers at Paciocco & Mellow today.

Motorcycle Accidents

iStock_000005916968_ExtraSmallMany motorcycle riders are injured as the result of the careless actions of the drivers of cars or other larger vehicles. All too many motorcyclists have been severely injured as the result other drivers pulling out in front of them, cutting them off or changing lanes without checking for the presence of other vehicles. The injuries sustained by the motorcyclist as a result of such accidents are often devastating and can include whiplash injuries to the neck and back, fractures, disc herniations, shoulder injuries, arm injuries, leg and foot injuries, soft tissue damage, nerve damage, lacerations, contusions and bruises, concussions and other closed head injuries, depression, anxiety and post traumatic stress disorder. If you or a family member has been injured in motorcycle accidents, the experienced personal injury lawyers at Paciocco & Mellow are available to help you.

There are two main forms of compensation available to motorcycle accident victims in Ontario, Statutory Accident Benefits and a lawsuit against the person or persons who caused the motorcycle accident. Statutory Accident Benefits are available to the injured person from his or her own auto insurance company. If the injured person does not have his or her own auto insurance policy, Statutory Accident Benefits could be available from the auto insurance policy of a close family member, the auto insurance policy of the vehicle that the accident victim was riding in at the time of the accident, the auto insurance policy of another vehicle involved in the accident, or the Ontario Motor Vehicle Accident Claims Fund. Statutory Accident Benefits include benefits for such things as income loss, medical treatments not paid for by OHIP, and certain other expenses that may be incurred by the accident victim. The experienced personal injury lawyers at Paciocco & Mellow can assist you in obtaining the Statutory Accident Benefits which you are entitled to.

A lawsuit against the person or persons who caused the motorcycle accident is another potential source of compensation for an accident victim. In circumstances where the negligent acts of other persons caused or play a contributing role to the motorcycle accident, the accident victim may be able to sue the negligent person or persons. A motorcycle accident victim can claim damages for pain and suffering, income loss, and expenses that have or will be incurred as a result of the car accident including for housekeeping, maintenance, medical treatments, medical devices and attendant care. Additionally, family members of the accident victim may also have a claim for damages for the loss of the care, guidance or companionship that the accident victim would otherwise have provided and for expenses incurred as a result of the accident. The experienced personal injury lawyers at Paciocco & Mellow can assist you in obtaining the compensation which you are entitled to.

There are time limitations which limit the time which you have to make a claim for Statutory Accident Benefits and to bring a lawsuit. It is important that you contact an experienced personal injury lawyer, such as the personal injury lawyers at Paciocco & Mellow, as soon as possible following your accident. The experienced personal injury lawyers at Paciocco & Mellow are available to meet with you at the time and location which is most convenient for you to explain the options which you have following a motorcycle accident. The initial consultation with our experienced personal injury lawyers is free of charge and without obligation. Please call (519) 915-7673 to speak with one of the experienced personal injury lawyers at Paciocco & Mellow today.

Animal Attack and Dog Bite

biting Holland ShepherdAnimal owners are responsible for the actions of their animals and have an obligation to see that their animals do not pose a risk to other persons. An animal attack can result in both physical and psychological injury and injuries are not only sustained as the result of a bite. People are also often injured as a result of falling as they are trying to protect themselves from the animal or get away from the animal. The injuries that can result from an animal attack include bites, infections, fractures or broken bones, sprains, nerve damage and even concussions and head injuries. Anxiety, depression and post traumatic stress disorder can also result from attacks.

Dog bites are the most common form of animal attack, but they are not the only type. If you have been injured as the result of an attack by any other type of animal, you may have a claim.

Compensation from an animal attack could include damages for pain and suffering, income loss, loss of the ability to complete housekeeping and home maintenance tasks, and medical treatments required as a result of the accident.

There are time limitations which limit the time which you have to make a claim as the result of an animal attack. It is important that you contact an experienced personal injury lawyer, such as the personal injury lawyers at Paciocco & Mellow, as soon as possible following your accident. The experienced personal injury lawyers at Paciocco & Mellow are available to meet with you at the time and location which is most convenient for you to explain the options which you have following an animal attack or dog bite. The initial consultation with our experienced personal injury lawyers is free of charge and without obligation. Please call (519) 915-7673 to speak with one of the experienced personal injury lawyers at Paciocco & Mellow today.

Disability Claim

Car Accidents

iStock_000018938807_ExtraSmall

People are seriously injured in car accidents every day in Ontario. Car accidents can result in injuries that can have an impact on both the injured person and his or her family members for years to come. The types of injuries that can result from a car accident are varied and can include whiplash injuries to the neck and back, fractures, disc herniations, shoulder injuries, arm injuries, leg and foot injuries, soft tissue damage, nerve damage, lacerations, contusions and bruises, concussions and other closed head injuries, depression, anxiety and post traumatic stress disorder. If you or a family member has been injured in a car accident, the experienced personal injury lawyers at Paciocco & Mellow are available to help you.

There are two main forms of compensation available to car accident victims in Ontario, Statutory Accident Benefits and a lawsuit against the person or persons who caused the car accident. Statutory Accident Benefits are available to the injured person from his or her own auto insurance company. If the injured person does not have his or her own auto insurance policy, Statutory Accident Benefits could be available from the auto insurance policy of a close family member, the auto insurance policy of the vehicle that the accident victim was riding in at the time of the accident, the auto insurance policy of another vehicle involved in the accident, or the Ontario Motor Vehicle Accident Claims Fund. Statutory Accident Benefits include benefits for such things as income loss, medical treatments not paid for by OHIP, and certain other expenses that may be incurred by the accident victim. The experienced personal injury lawyers at Paciocco & Mellow can assist you in obtaining the Statutory Accident Benefits which you are entitled to.

A lawsuit against the person or persons who caused the car accident is another potential source of compensation for an accident victim. In circumstances where the negligent acts of other persons caused or play a contributing role to the car accident, the accident victim may be able to sue the negligent person or persons. A car accident victim can claim damages for pain and suffering, income loss, and expenses that have or will be incurred as a result of the car accident including for housekeeping, maintenance, medical treatments, medical devices and attendant care. Additionally, family members of the accident victim may also have a claim for damages for the loss of the care, guidance or companionship that the accident victim would otherwise have provided and for expenses incurred as a result of the accident. The experienced personal injury lawyers at Paciocco & Mellow can assist you in obtaining the compensation which you are entitled to.

There are time limitations which limit the time which you have to make a claim for Statutory Accident Benefits and to bring a lawsuit. It is important that you contact an experienced personal injury lawyer, such as the personal injury lawyers at Paciocco & Mellow, as soon as possible following your accident. The experienced personal injury lawyers at Paciocco & Mellow are available to meet with you at the time and location which is most convenient for you to explain the options which you have following a car accident. The initial consultation with our experienced personal injury lawyers is free of charge and without obligation. Please call (519) 915-7673 to speak with one of the experienced personal injury lawyers at Paciocco & Mellow today.

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