Terms of Use – Claims Advice


Lawyer-Client Relationship Not Created

Your use of or access to the Site does not create a lawyer-client relationship. Your use of the Site may facilitate access to or communications with members of Andrew Suboch B.A., LL.B. by way of e-mail transmissions or otherwise via the Site. Receipt of any such communications or transmissions by any member of Andrew Suboch B.A., LL.B. does not create a lawyer-client relationship.

Legal Advice Not Provided

The Content is current as of its original date of publication, but should not be relied upon as accurate, timely or fit for any particular purpose. Content is provided solely for informational purposes. It is not intended to be legal or other professional advice or an opinion of any kind. You are advised to seek specific legal advice by contacting members of Andrew Suboch B.A., LL.B. (or your own legal counsel) in relation to your specific legal issues.

Disclaimer and Limitation of Liability

The presentation of information on this website does not establish any form of lawyer-client relationship with Andrew Suboch B.A., LL.B. or with any of its lawyers or agents. The information on this website is public information and is not individualized legal advice. Readers should neither rely on nor take any action based upon this information. Professional legal advice should be obtained. While we strive for accuracy, it is possible that the information on our site may contain errors or omissions. Andrew Suboch B.A., LL.B. and Lorne S Marr Insurance Services Ltd disclaim any liability for any such errors or omissions.

Communications Not Confidential

Andrew Suboch B.A., LL.B. and Lorne S Marr Insurance Services Ltd does not guarantee the confidentiality of any communications made by you via e-mail or otherwise through the Site and cannot guarantee that any such communications are protected by solicitor-client privilege. If you wish to provide information of a confidential or sensitive nature to one of the members of our firm, please contact them directly by telephone. WE WILL USE AN ALIAS FOR YOU WHEN POSTING THE INFORMATION ON LINE

Governing Law

These Terms and Conditions are governed by the laws of the Province of Ontario and the applicable laws of Canada and these laws apply to the use of the Site or the Content by you, notwithstanding your domicile, residency or physical location. The Site and the Content are intended for use only in jurisdictions where it may lawfully be offered for use.

General Provisions

These Terms and Conditions, including any documents referenced herein, constitute the entire agreement between Andrew Suboch B.A., LL.B. and you pertaining to the subject matter hereof and supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and Andrew Suboch B.A., LL.B. with respect to the Site. A printed version of these Terms and Conditions and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms and Conditions to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. Andrew Suboch B.A., LL.B.’ failure to insist upon or enforce strict performance of any provision of these Terms and Conditions shall not be construed as a waiver of any provisions or right. If any of the provisions contained in these Terms and Conditions are determined to be void, invalid or otherwise unenforceable by a court of competent jurisdiction, such determination shall not affect the remaining provisions contained herein.

These comments are subject to the restriction that comments made on the website are made by an Ontario lawyer only duly licensed to practice law in Ontario. However, the Law Reform Commissions of the various provinces have been striving to achieve a uniform legal code throughout Canada in the common law provinces that is all provinces except Quebec and all territories. These jurisdictions are attempting to harmonize their laws so that their legal principals throughout Canada are generally the same. However, this not to say that all laws are exact and are exactly the same. Differences do occur and are present between various provinces and / or territories. If you reside outside of Ontario there is an even greater need to get legal advice with respect to any particular legal problem you may have.



© Landy Marr Kats LLP and Lorne S Marr Insurance Services Ltd. All rights reserved. No part of the Site or the Content may be reproduced, modified, distributed, sold, published, broadcast, retransmitted or circulated in any form without the prior written consent of Landy Marr Kats LLP, except to the extent that such use is for your personal, non-commercial use and consent has been given. All copies must include this copyright notice. Any rights not expressly granted herein are reserved. 

Your email address will not be published. Required fields are marked *

  • Jesse
    August 1, 2014 at 3:04 pm

    My daughter and I bought a new car. Both of our names are on the loan, registration and insurance. She got into an accident that they suspect alcohol was involved but she has not yet went to court. The car is totalled and it was 3 months old. The insurance company keeps telling me that they cannot make a decision until her court hearing. I am legal owner of vehicle. I spoke with my broker and he said that there is an indemnifying the innocent owner clause and when he should me the documentation it says that I have a right to compensation for the vehicle to pay off the loan. The car insurers are telling me 1). They can’t do anything until after her court date, which makes no sense because I am not the one charged and 2)that I would only get compensation if the driver did not have my consent to drive. The document I was given specifically says “The named insured is entitled to indemnity as long as he/she did not allow , condone or participate in the impaired driving itself’ also it states” accordingly in auto insurance if one of the insureds is not involved in the insurance “sin” of the other , the innocent insured is entitled to coverage.I am completely stumped as to why they are giving me such a hard time. Please help

    • Andy Suboch
      August 1, 2014 at 3:43 pm

      Please be advised that I am an Ontarian lawyer who practices in the area of insurance law and personal injury and have for more than 20 years. I have been asked to respond to your inquiry below.

      Based on what you have set out below, I have no idea as to why the insurer is refusing payment. Based on what you have set out, I would bring an Application in the Superior Court of Justice seeking an Order that the insurer payout the insurance proceeds immediately.

      If you would like a free consultation, please contact my offices at 416-815-1331 x 221 or x 223 to arrange for a meeting. I also have offices in Scarborough and just south of Lester B Pearson Airport [Eglinton and Renforth area].

      I confirm that although you appear to have a case, until I have been retained by way of written retainer, I shall not take any actions to protect any interests you may have. Generally speaking, there is a requirement to commence legal action within 2 years that the cause of action arose failing which your claims may be barred pursuant to a limitation defence.


      Andy suboch

  • Jason
    October 24, 2012 at 2:47 pm

    After my car accident my insurance company paid me income replacement for 6 month. That’s it. I returned to part-time work but still have health problems and cannot work full time. Can I apply for settlement, to get some compensation and close the case? It’s almost 2 years past and I received a letter that the insurance company will not renew all my family members’ policies. Is it legal to refuse to continue my husband insurance (he has his own car and never had accidents or points)? Thank you in advance.