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Several recent trends in personal injury litigation could potentially shake up the industry. Among them are the availability of insurance covering opposing parties’ legal costs, a tendency for more personal injury lawsuits to be filed well before the expiry of the limitation period and a tendency for insurers to go to trial rather than settle in cases where they believe a claim for pain and suffering will not meet the verbal threshold or exceed the statutory deductible specified in Ontario auto insurance law.

http://www.canadianunderwriter.ca/features/suit-mix/