Richard A. Zemla, Insurance Attorney in the United States

Richard concentrates on insurance and litigation. Each area below outlines the kind of case Richard handles, typical outcomes to expect, and how the intake process starts.

• Insurance

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• Litigation

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Richard's primary office is at Station 'K', Toronto, ON, M4P 2H2. In-person meetings are by appointment; a phone intake usually comes first.

Working with a new insurance attorney should feel structured. Here's how the first two conversations with Richard usually go, from the moment you request a consult to the day representation begins.

Richard discusses fees during intake so the arrangement fits the matter. Contingency, hourly, and flat-fee options are all common in insurance practice — ask which fits.

• How much does it cost to hire Richard for a insurance case?

  Cost depends on the type of matter, the fee model (contingency, flat, hourly), and how contested the case becomes. Richard walks through the likely range during the consult so there are no surprises.

• Does Richard offer a free consultation?

  Richard charges for the initial consult; that fee is credited toward representation if you retain Richard's office. Some insurance attorneys offer free consults — check Richard's current terms during booking.

• How long do insurance cases in this state typically take?

  Simple insurance matters can wrap in a few weeks; disputed cases can run 6–18 months from intake to resolution, longer if the matter goes to trial. Richard gives a realistic estimate for your facts at the consult — vague answers here are a red flag.

• Can Richard take my case if I'm outside the area?

  Richard evaluates matters case by case. If the venue is outside Richard's regular jurisdictions, the intake call will confirm whether direct representation or a referral makes more sense.

• What should I bring to my first meeting with Richard?

  Bring every document that touches the dispute: contracts, correspondence, police or medical reports, filed pleadings, invoices, photographs, insurance letters. Also bring a written timeline of what happened, in your own words. Richard will filter what matters — over-preparing at intake is always cheaper than needing a second meeting.

• Is Richard accepting new insurance clients right now?

  Richard's intake status shifts week to week. Submit the form; the office will confirm availability or refer the matter out.