The brother of a female killed in an automobile accident claims that Progressive Insurance attempted to keep away from a legal claim for $75,000. Now the company is regretting it, following a backlash in the social media. Source for this article: take a review of https://personalmoneynetwork.com/

Yes I have informed everyone about my situation and some don't care and a couple are cutting me some slake by not phoning me everyday but I am sure it will start soon. Only one item has gone to a collection agency and I am sure the others will follow soon. As of Sep 20 I will be three months in arrears for pretty much everything other then my rent that is the only thing that is up to date. My younger brother lives with me he moved in when I got hit to help out and we split the rent and he has been buying the groceries for the last two years so that is what has saved me this long. I prolly woulda been in a shelter long ago if not for his help so far. Your right, sometimes we can't control what will happen. I guess all I can do is stand my ground. Thanks for your thoughts and input Daniel. Much appreciated....

I thought it was 25 and not 10 years when I took Auto Insurance and Bill 203. Maybe they've changed it. Whatever.

There's nothing much you can do about the Natale Law Offices of the world. They will always demand their pound of flesh. When acts of God, lunatics, terrorists, disability and illness strike, there's often not much we can do if we don't have adequate insurance coverage or benevolent family and friends. Believe me, such situations happen to a lot of people. (It does make me angry though when I see people on this forum cozying up to them.)

It doesn't sound matters are going to get resolved in time to save you from a bunch of R9's on your credit reports. You could phone up all your creditors and explain what happened, if you haven't already done so. But they won't care; they'll just refer you back to the collection agencies. Ditto for any government agency. As long as they've got their own pension plans and money coming in they won't care. Still, if they know what's happened, at least they likely will see there's no point in suing you. And when the award(s) come in, you probably won't need credit for quite some time.

I don't know when you defaulted on your bills, but they only have 2 years from the date of default in Ontario to sue you - unless it's a student loan. That means if it's been a while since you paid anyone, if they haven't sued you by now, they probably never will. Most or all of them will have searched your assets before calling. Nevertheless, they might bug you over the phone for years.

You could change your phone number; but the main thing is you want to be aware if anyone launches a Small Claims Court action so you don't get victimized by a default judgment which will eat into any future award.

So far we're just talking about money stuff. Naturally, the existential and spirtual dilemmas created far exceed the financial, but that's for another forum.

yes your right about the drivers insurance, I was told they have to look after me up to a max of 10 years or until the lawsuit is settled. I have fired my old lawyer and hired a new one about a month ago and he seems more aggressive and tactile towards my case. The lawsuit against the driver was filed in 2008 but the first lawyer was kinda laid back for a better term of words. I'm ok with the lawsuit against the insurance company and my employer now but am scared to death what is going to happen with my debt and creaditors and these collection agencies. Do i need to be stressed out about it? Up until now I have taken it all in stride, I almost died, almost had my legs and eyes amputated but now I am kinda freaking out, I worked hard since I was 16 and it just all seems like such a waste now and I feel like such a loser that these peeps are chasing me for money and having to go to social assistance for help.I woulda never of dreamt I would end up in this situation. Goes to show you how fast things can go very wrong.. At this point do I just ignore the collection agencies? I mean they can threaten and sue and do everything they want I don't have the cash to pay. I don't see what else I can do at the moment other then to just try and ride this out until a lawsuit is settled...

Oh, OK , since you were a pedestrian and not even a passenger in another insured driver's car, accident benefits would revert to the lone driver's policy. Not sure why a direct lawsuit wouldn't be expedient since, in an accident with a pedestrian, the onus is generally on the driver to prove his lack of negligence as far as civil liability goes. And the same accident benefits under the absolute liability principle of that policy should provide you with the same level of accident benefits as if you had your own policy.

No idea why FSCO is being so delaying and why your lawyer hasn't launched a lawsuit by now. Plenty of lawyers in the yellow pages trolling for juicy cases they'll take without upfront fees.

I assume you've seen a labour lawyer to like Martin Goredensky. He got a girl I know $60K for an unjust dismissal. But eligibility depends on who your employer was.

Hi Daniel thank you for your reply, I do not have a policy I do not drive and do not have car insurance. This was a huge problem at the start of all this in 2008. The rules say I had to use up my employers benefits for certain items and other items had to be covered by the persons insurance company that hit me. I was a pedestrian crossing the road when this happened. Yes I was getting the wage loss of 1600 a month but at the six month mark long term disability kicked in and i had to get that from my employers benefit carrier and that lasted two years which ended in June of this year and this is were my troubles are starting with the debt and collection agency. Thru all of this I used that money wisely and paid my bills and then everything just stopped in June. My lawyer is disputing this denial of treatment and income but we are still awaiting an apointment for mediation. I got a letter from the Financial Services Commission saying there will be an extremely long wait for mediation and I should try and work this out with the Insurance Company but they have ceased all communications as my employer has done the same thing. I am in the process of applying for the ODSP but still have not heard anything as of yet. Even if I get it it's to little to late. I can be frugal and manage to pay my rent and telephone bills if and maybe cell phone but it wont be enough to start paying all my bills and get caught up.Things are getting pretty crazy. Is this going to destroy my credit? I am looking at a 7 digit lawsuit but like everything else so far it will take time.. Thank you for your post.

Not too sure why you didn't qualify for ODSP instead of general welfare after the 104 weeks of the income replacement benefit (IRB) of your policy expired. The benefit rate is almost double. I also assume you had the statutory $400.00 minimum and not the increased $600.00 to $1000.00 a week plans. By the way, the IBC, with the blessing of the government, decreased that modest base rate from 80% to 70% of $400.00 this month. More options (for going destitute if you get hit by a cement truck).

A very similar accident occurred to an acquaintance of mine last year, but he didn't have any trouble getting his car or medical bills taken care of. However, there are several circumstances under which an insurance company won't pay out certain Section 4 (no fault accident benefits) to their insured. I don't know if any of those situations applied to you. Otherwise, your policy should have provided a basic $100,000.00 (payable for 25 years) in medical, rehab, and attendant care costs.

You obviously met the $30,000 threshold for catastrophic suffering (non- economic loss), so your case should have been settled by now or soon. I genuinely hope you don't fall through the cracks and end up in a shelter.

Now, perhaps certain people on the forum can see why I don't like collection agents and their lawyers.

I am so glad I found this site. After reading many posts on this site and a few others it looks like I am in pretty bad trouble. My question is how bad will it get? Here is my situation and i am sorry if I have to be selective on the info I leave since this is a on going law suit and is now branching out into more law suits and it's all getting very complex. In 2008 I was struck by a vehicle running a red light while I was crossing the road. Suffered serious damages to both my eyes and legs. Spent the last 2 years in recovery, learning to walk again and many surgeries. During this time my employer has to and was holding my job and I was receiving a wage loss income since I could not collect a regular pay check. I was attempting to return to work this year but my employer changed there mind and has now dismissed me, so there is now a law suit against them as with the driver of the car. Now I am cut off of all income from the insurance company and it will take a long time to fight them in court. So now the all the bills I managed to keep up to date all this time are not getting paid and some have already gone to a collection agency and I expect more to follow in the next few months. I have now applied for help from Social Assistance and get a maximum of 585 a month. That doesnt even pay half the rent never mind the special medications I now need to keep my vision intact. In 3 seconds I went from making 700 a week with a full time job to 585 a month and struggling to survive.I know the debts I have are mine I don't dispute that and If I could win one of these lawsuits I would pay them tomorrow but it looks like I am about a year out of finishing the smaller one against my employer. My phone and net will be shut off soon and I could very well be heading into a homeless shelter if something good doesn't happen. My priorities are to pay my rent and get food and make sure I have medications and that is a huge struggle now. Collectcorp is after me now for an account and i have explained my situation to them and everyone but it does not seem to make any difference. they want there money. I got a little pissed off with them as they talked down to me as if all this was my fault and I know everyone is trying to do there job but they could do it with a little more tact and class I thought.Other then the 585 a month from social assistance I have nothing else no assets or land or car. once the law suits start finishing up things will be much better but how bad can I expect things to get until then?
Jags...