Sharma Law

08/21/2026

If you’re ever in an accident, don’t just focus on the car damage! To truly protect yourself, take 10 steps back and capture the entire scene.

Documenting the full environment helps provide essential context later on, including:
• The weather and climate
• Traffic flow and lane positions
• Any potential obstructions
Having the big picture can make all the difference for your case down the road.

08/15/2026

Being a personal injury lawyer is about more than just the law—it’s about the human side. We live every moment with our clients and their families, seeing life through their unique perspectives. It is a privilege to hear these stories and a rewarding journey we take personally.

08/10/2026

Do I actually have to give the other guy my insurance information? The short answer is yes.

Being involved in an incident is stressful, but it's important to be cooperative and act like a good human being. Always follow the process and follow the law.

08/08/2026

The World Cup final explained through the lens of a personal injury case:
• FIFA: The "evil bad guy" insurance company trying to control everything.
• Argentina: The "bad defendant" who caused the accident and is "lying through their teeth" while being backed by the insurance company.
• Spain: The "good guy" who kept it real, played their own game, and didn't fall for the defendant's tactics.
In the end, despite officiating that favored the "bad defendant," justice prevailed. ⚖️⚽️

08/05/2026

When hiring a personal injury lawyer, asking the right questions is essential to building confidence in your representation. Here are three critical questions to ask:

• Specialization: Ask if personal injury law is their only area of practice.
• Direct Oversight: Find out if the lawyer will handle your case personally or pass it to a junior associate or paralegal.
• Relevant Experience: Inquire how long they have been practicing and if they have experience with cases similar to yours.

Beyond these questions, consider "soft factors" such as your ability to communicate and get along with the lawyer. Accessibility is the most important factor, as a common complaint among clients is a lawyer's failure to return phone calls.

08/03/2026

If you are on CPP disability, the Ontario Disability Support Program (ODSP), or Ontario Works, certain portions of your settlement could be impacted. If your lawyer negotiates a settlement for an accident benefits or pain and suffering claim that includes a component for income, the government may require that money to be paid back. This is because receiving these government benefits is based on the premise that you are unable to earn an income.

07/31/2026

Protect your future by understanding the role of an insurance adjuster. Here is what you need to know:
• Company Loyalty: An insurance adjuster works exclusively for the benefit of the insurance company, not the claimant.
• Investigative Focus: They act as private investigators with access to your medical records and social life to determine the value of your claim based on "indicia of impairment."
• Recorded Statements: Every conversation is recorded and used to assess the file against you; it is unlikely you will be able to obtain these recordings yourself.
• Significant Risks: Speaking to an adjuster while unrepresented can put your claim at risk because you may not know how they will interpret or use your words.

07/30/2026

IMPORTANT UPDATE: Changes to Ontario Auto Insurance 🚨

As of July 1, 2026, the Ontario government has changed what is included in your basic automobile insurance. Benefits that used to be standard are now "optional," meaning you might be less protected than you think.

Here is what you need to know:
• What changed? Coverage for medical care, income replacement, death benefits, and caregiver benefits have been removed from basic packages.
• The Trap: Your monthly premiums might look lower, but that is only because you are receiving fewer benefits.
• The Risk: If you are injured and unable to work, you will not receive income continuation from your insurer unless you added the optional coverage beforehand.
• What to do: Contact your insurance broker immediately.
Pro-tip: Put your request in writing. Explicitly ask to add optional benefits for:
• Medical care
• Income replacement
• Caregiver support
• Housekeeping
Don't wait until after an accident to find out you aren't covered. Protect your future today.

07/28/2026

Following a vehicle accident, prioritize your safety and take these essential steps within the first 60 seconds:
• Assess Safety: Check yourself and any passengers for injuries.
• Contact Emergency Services: Call 911 and ensure they arrive at the accident scene.
• Check on Others: Confirm the status and safety of the other driver involved.
• Document the Scene: Take photographs and 360-degree videos of the entire scene, not just the vehicles.
• Identify Witnesses: Collect contact information from any witnesses present.
• Consult Legal Counsel: Before contacting your insurance company, speak to a lawyer. Insurance companies record statements, and high adrenaline immediately following an accident can lead to providing information that may not be fully accurate.
Call Sharma Law for legal guidance after an accident.

06/06/2026