Personal injury law exists for two primary reasons: to regulate social behavior and provide compensation for injuries. It regulates behavior by influencing factors like insurance premiums, encouraging safety practices in businesses and public spaces to avoid lawsuits, and balancing prevention responsibilities. It provides compensation to injured individuals to restore them financially and address costs like lost wages and long-term pain suffering. Together these goals of regulation and compensation serve important social functions.

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The Reasons Why Personal Injury Law Exists
When most people hear the term “personal injury law”, images of ambulance-chasing lawyers and
injury-exaggerating clients come to mind. These images not only do not reflect reality, but they can
also cause important social functions the practice of personal injury law provides to be overlooked.
Chris Richard, the managing partner of Graves and Richard, spoke with host Lee Sterry of Niagara’s
610 Newstalk Radio to discuss why personal injury law exists, what lawyers practicing in the area of
personal injury law are trying to achieve, and the social benefits personal injury law provides.
Chris identified and discussed two primary purposes of personal injury law: to regulate behaviour in
society, and to provide compensation to people who have sustained injury in an accident.
REGULATION OF SOCIAL REGULATION
The first fundamental purpose of personal injury law is to regulate social behaviour.
A good example of how personal injury claims affect social behaviour is in the area of driving habits.
If someone is involved in numerous accidents, or receives multiple speeding tickets, that person’s
insurance premiums increase. The main reason why insurance rates go up is due to the effect of
personal injury law. The greatest risk to an insurance company of a person involved in multiple
accidents or someone who receives numerous speeding tickets is the potential of a personal injury
lawsuit and the consequential paying out of damages. Because of this risk, insurance companies raise
rates.
By raising rates in response to an increased risk of paying damages in a personal injury action, social
behaviour is regulated. The cost to a person of receiving one or two $50 speeding tickets may have a
minor effect on regulating that person’s behaviour. But, the consequence of an insurance rate hike of
$100 per month for a number of years has a much more potent effect on that person’s speeding
patterns.
Encourages Awareness of Safety
Another way in which the presence of personal injury law regulates social behaviour is that it
encourages awareness of safety. The threat of legal action causes people, businesses, and organizations
to take proactive steps to ensure the safety of others and to avoid injury giving rise to legal action.
It is now common knowledge that people, businesses, and organizations are responsible for preventing
dangerous situations. The thought of potential accidents causing injury and resultant legal action
causes cities, homeowners, and business owners to remove snow, and place salt on roads, sidewalks,
parking lots, and paths. This makes travelling in the winter safer for all members of society.
Another good example is heaving in sidewalks or paths that are potential trip hazards. There is no law
that a business owner or homeowner monitor and fix a heave in a sidewalk or an uneven path.
However, the threat of a lawsuit in the face of an injury sustained as a result of someone tripping and
falling on the potential hazard provides the impetus to keep property safe.

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The threat of personal injury lawsuits creates common sense safety standards for business owners and
homeowners to follow. In grocery stores, for example, because of the multitude of personal injury
lawsuits that result from customers slipping and falling on water spilt on the floor, most grocery stores
have implemented inspection and prevention measures to avoid such incidents. Mats are installed at
store entrances to collect water so that the floors inside stay dry, and attention is paid to choosing non-
slip flooring. These measures are all taken for the purpose of creating a safe environment.
The Balance Between Accident Prevention Measures and Personal Responsibility
While the behaviour of people, businesses, and organizations is regulated by the threat of personal
injury lawsuits, the law also imposes an obligation on every person to reasonably care for their own
safety. In the case of a slipping hazard created by a heavy snow- and ice-storm, a known hazard exists.
If the business- or home-owner does nothing about the hazard, liability may follow. By the same
token, if a person sees the ice and is wearing high-heeled shoes with no tread, liability would likely
attach to that person as well. In this case, a judge or a jury would balance the respective responsibilities
for a resultant injury and apportion liability accordingly.
COMPENSATION FOR INDIVIDUALS SUSTAINING INJURY
The second fundamental purpose of personal injury law is to compensate individuals for the injuries
they sustained as a result of an accident. Contrary to popular belief, damages awarded in personal
injury actions are not “windfalls”, but rather they are designed to compensate a person for injuries
sustained and to restore them, as much as possible, to the position that person would have been in had
the accident not occurred. If a person was rendered unable to work following an accident, that person
is awarded a sum of money the equivalent to what that person would have earned had the accident not
happened. Pain and suffering also is compensated by way of money.
Chris shared that, in his experience, once jurors put the plaintiff’s injuries in the context of that
person’s life, they don’t view an award of damages as a windfall anymore, but rather they quickly
begin considering the question of what an appropriate amount of money would be for someone who
will never have the same quality of life again because of an accident. If the plaintiff is 40 year years
old, was involved in an accident, was in good health before the accident, had neck pain following the
accident, and was expected to have neck pain for the rest of her life, a sum of money compensating for
that pain and suffering could be appropriately quite substantial.
In summation, personal injury law regulates behaviour in society, encourages safety standards, and
provides compensation to people who have sustained injury in an accident.