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Frequently Asked Questions

December 1, 2025 / Categories:

It’s normal to have questions about legal matters, and it’s important to get expert information. Here are some of the common questions we get asked at Stayshyn Law Offices.

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How do offers from the at-fault insurer work with the deductible?

November 17, 2025 / Categories:

A claim for pain and suffering is subject to a statutory deductible, currently set at $46,790.05 as of 2025 and indexed annually. Please note that the deductible is not paid by the insurer. The deductible is used to reduce any amount offered for your pain and suffering by the insurer. When an insurer makes an […]

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Should I stop posting on social media?

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Please be advised that throughout this litigation process the insurance company will be asking to review all your social media websites. The law is in a state of flux with respect to whether this line of inquiry by insurance companies is proper. The posting of statements or photographs by friends, family or yourself could be […]

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Why is my insurance company surveilling me?

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Your activities, abilities, and credibility are central pieces of your case during personal injury litigation. Insurance companies sometimes want to find out for themselves if what you say and what you do are the same.  Credibility relates to your honesty, and the question of the extent or degree of loss of the ability to engage […]

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How would a deductible affect my award or settlement?

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If you were injured in a motor vehicle accident, you may be entitled to sue for your pain and suffering (also known as ‘general damages’). If the general damages in the award or settlement are under a certain amount, a ‘deductible’ may apply — reducing how much of the award or settlement is paid by […]

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If I win or settle my case, how and when do I get the money?

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Money that has been awarded by the court or negotiated in a settlement will usually be paid to your lawyer or paralegal. They hold it in trust for you. Before they give the money to you, they prepare an account statement showing what they will deduct for fees, disbursements and applicable taxes. The account statement […]

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How much is my case worth?

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We cannot say how much a case is worth at the time of our initial interview with you because we do not know what the various doctors and other health professionals are going to say is your medical future. A case cannot be settled without a medical prognosis on what the future condition of an […]

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What are collateral benefits, and do I need to apply for them?

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It is important that you make all efforts to identify ALL the insurance policies available to you and submit all your claims for disability and/or medical as well as rehabilitation benefits to that insurer. Your automobile insurance policy is secondary to all the insurance policies which are available to you. If you do not pursue […]

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What No-Fault Benefits could I be entitled to?

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Please note that all claims for treatment MUST be submitted to your Accident Benefit Insurer and approved or you may be responsible to pay for all expenses incurred by the treatment providers. This claim is generally referred to as the no-fault claim. Please advise us if optional increased coverage was purchased from your automobile insurer. […]

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What are the categories of damage in a car accident claim against the driver at fault?

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This claim is generally referred to as the third-party claim. In your negligence claim for damages against the Defendant(s), you have four potential categories of damages, which are as follows: Non-pecuniary general damages, that is, damages for pain and suffering and loss of enjoyment of life and loss of amenities. Loss of income/Loss of Earning […]

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