Kayly Machado
E. kmachado@schultzlawgroup.ca
T. 416.969.3434
F. 416.969.3435
Connect with me
Assistant:
Daniele Henderson
E. dhenderson@schultzlawgroup.ca
Law Clerk
Brieanna Da Silva
E. bdasilva@schultzlawgroup.ca
Fatimah Serbeh
E. fserbeh@schutlzlawgroup.ca
Jason Zhang
E. jzhang@schultzlawgroup.ca
ABOUT

Kayly is an Associate Lawyer at Schultz Law Group LLP. She was called to the Ontario Bar in 2023 after completing a Juris Doctor at the University of Toronto.

 

Prior to law school, Kayly worked as a law clerk at a boutique insurance defence law firm for nine years and obtained her designation as a Chartered Insurance Professional (CIP) through the Insurance Institute of Canada. She received the award for the Highest Standing in the Claims Professional Series (Kawartha/Durham Region).  Kayly has also taught the Insurance Law course at Durham College.

 

Outside of the law, Kayly is an avid thrift shopper who also enjoys knitting and spending time with her rescue animals Harper, Harley, and Regan.

 

WORK EXPERIENCE

Associate Lawyer, Schultz Law Group LLP, Toronto (June 2023 - ongoing)

Articling Student, Schultz Law Group LLP, Toronto (2022 – 2023)

Summer Student, Schultz Law Group LLP, Toronto (2021-2022)

Law Clerk, Brown & Partners, Toronto (2012-2019)

Instructor, Durham College, Oshawa (2017-2018)

 

EDUCATION

Year of Call: 2023

Juris Doctor J.D., University of Toronto (2022)

Bachelor of Arts B.A., Forensic Psychology, University of Ontario Institute of Technology (2019)

Chartered Insurance Professional C.I.P., Insurance Institute of Canada (2015)

Graduate Certificate, Victimology, Durham College (2012)

Law Clerk Advanced Diploma, Durham College (2011)

CASES
Thorne v. Sonnet Insurance Company, 2025
2025-08-29
Flerova v. Economical Insurance
2025-03-13
READ SUMMARY + READ NOW
In the recent decision of Flerova and Economical, 2025 ONLAT 22-01455/AABS the Applicant made no arguments on whether their impairments fell outside of the MIG, instead arguing the validity of each of the denials pursuant to s.38 of the SABS. Our office was able to successfully defend each and every denial reaffirming the recent LAT decision of Golden v Economical Mutual Insurance Company, 2024 CanLII 2672 (argued by my colleague Colin MacDonald) which confirms that there is no statutory or common law obligation for the insurer to list the Applicant’s specific injuries in a denial, rather, the insurer need only provide medical or other reasons.
Robinson v. AIG Insurance Reconsideration Decision
2025-02-26
Lacnit vs Economical Insurance Company
2025-01-21
READ SUMMARY + READ NOW
They say “you never forget your first”. The decision in Lacnit and Economical was the first file that was ever assigned to me following my call to the bar and the first file I ever handled from opinion through to decision making this decision incredibly special to me. As new lawyers, we must remind ourselves to walk before we can run and to always start with the basics. This decision is a perfect example of that. Although the Applicant reported both physical and psychological complaints to his treating practitioners and assessors, these complaints were not supported by the records of his family doctor. Post-accident complaints of neck and shoulder pain reported 7 months post-accident were not attributable to the accident. While it’s always fun to brainstorm new and interesting technical defences, sometimes simply relying on the medical records is enough to secure a great result for the client. More importantly than the basics, a strong team contributed to this win. Special thanks to Jason Zhang for preparing the document brief and Kadey Schultz, LL.B. LL.M. CRM for all of her guidance along the way.
Feller v. Economical Insurance Company, 2024 ONLAT 21-014434/AABS-R
2024-05-16
Mohammed v. Economical Insurance Company, 2024 ONLAT 21-011586/AABS
2024-01-04
COMMUNITY INVOLVEMENT

 

PUBLICATIONS
What 2026 accident benefits changes mean for uninsureds
by 2025-05-09
READ SUMMARY + READ NOW

Big Changes Coming to Ontario Auto Insurance – July 2026

Starting July 1, 2026, most accident benefits in Ontario—like income replacement and caregiver support—will no longer be mandatory and must be purchased as optional coverage. This change could leave many uninsured individuals, such as pedestrians or passengers, without access to key benefits after a crash. Make sure you're protected. Talk to your broker today.

It was Authored by Kadey B.J Schultz and Kayly Machado to Read the full article in Canadian Undewriter by clicking on "Read Now", above. 

 

SPEAKING ENGAGEMENTS

Upcoming Events

Future events will be posted soon.

Kayly 's Latest Speaking Engagements

Search by Year
Defending AB Claims : A Crash Course
+ Webinar
2025-05-15
Defending AB Claims Crash Course
+ Toronto
2024-05-09
BLOG
LAT Finds No Settlement Absent Meeting of the Minds
by 2024-11-11
Unfortunate Medical Death Unrelated to MVA Disqualifies Spouse from SABS
by 2023-12-05
Defendants not Vicariously Liable for Actions of their Lawyer or Investigators
by 2023-11-07

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866.233.0977

Fax
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