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The Minor Injury Guideline
by Eric W.D. Boate
July 16, 2019
Under the Statutory Accident Benefit Schedule (“Schedule”), those injured in a motor vehicle accident are entitled to different levels of benefits according to the severity and classification of their impairments. These levels are broken down into one of three categories: minor impairments non-catastrophic impairments and catastrophic impairments. 
 
This paper is devoted to minor impairments, which are handled under the Minor Injury Guideline (MIG).1 
 
The MIG provides a framework for the treatment of insured persons involved in a motor vehicle accident who sustain “minor injuries.” 

Limitations Law in Accident Benefits Cases
by Michael Kennedy
July 16, 2019
A limitations defence is perhaps the most powerful defence in existence. Its application completely extinguishes a person’s claim, essentially on a technicality, regardless of whether such claim has merits.
 
The limitation period for accident benefits claims is defined in section 56 of the Statutory Accident Benefits Schedule. It states that arbitration in respect of a benefit “shall be commenced within two years after the insurer’s refusal to pay the amount claimed.” This limitation period was not changed in the 2010 or 2016 amendments and, therefore, should apply to all open claims...

Application For Accident Benefits Primer (OCF-1) Primer
by Catherine A. Korte and Mahroze Khan
July 16, 2019
Section 32 of the SABS indicates that an applicant shall submit a completed and signed Application for Accident Benefits (OCF-1) within 30 days of receiving the application package. However, Section 34 of the Schedule states that a person's failure to comply with the time limit does not disentitle the person to a benefit if the person has a reasonable explanation...

Lost Transfer - When Accident Benefits May Be Transferred to Another Insurer
by Matthew Dugas
July 16, 2019
In Ontario, Insurers are subject to a “Loss Transfer” regime. Loss Transfer applies when an accident involves specific types of vehicles. These are either a “heavy commercial vehicle”, motorcycles, motorized snow vehicles or an off-road vehicle.
 
When one of these vehicles is involved in an accident, the Loss Transfer regime may be applicable. In essence, in some specific situations, the entire Accident Benefits claim for an accident under the Statutory Accident Benefits Schedule, can be transferred from the injured person’s “first party insurer” to an insurer of an at-fault vehicle, often referred to as a “second party insurer”. 

AB from Sea to Sea: A Look at Accident Benefits across Canada
by Catherine A. Korte and Michelle Legault
June 25, 2019

The concept of accident benefits is well-known in almost every Canadian jurisdiction. This paper will focus on how the different systems operate, the benefits available, and practice tips that can be applied in cross-border cases. Comparisons between jurisdictions and unique facts about the different systems will also be discussed.


My House Burned Down, Now I Can Buy Two - Featured Case Study: Groupone Insurance and Lloyd's - and - Wenhao (Melissa) Li and Darko Strukan
June 05, 2019

Acting for the Applicants, Howard Borlack, Partner at McCague Borlack LLP had a favourable decision from the Ontario Divisional Court when they recently quashed an award by an Umpire arising from an appraisal pursuant to a homeowners policy and the Insurance Act. The insured's house sustained a fire and was beyond repair. The insured and insurer could not agree on the Actual Cash Value which the insured was entitled to under its Policy. The appraisals on behalf of both the insured and the insurer were approximately the same based to a great extent on comparable houses in the area.


Just When You Thought It Could Not Get Any Harder: Changes Could Be Coming to Proceedings Against the Crown
by Theresa Hartley
May 01, 2019

Ontario's Conservative government recently proposed Bill 100, also known as the Protecting What Matters Most Act, which primarily addresses new budget measures. Also contained within the Bill, however, is the proposed repealing of the Proceedings Against the Crown Act [PACA] which was enacted in 1990 and governs how litigation is commenced against the Provincial Crown. It will be subsequently replaced with the Crown Liability and Proceedings Act [CLPA]. The CLPA proposes substantial changes to Crown liability, including limitations thereon, and sets out the procedural rules that will apply in proceedings against the Crown.


Cyber risks to your organization and its consequences: New reporting standards from the Office of the Privacy Commissioner of Canada
April 25, 2019

As technology quickly advances, different industries are finding several ways to innovate, adapt, and evolve their practices to generate larger profits, create operational efficiencies, and respond to people's needs. The unfortunate consequence of this rapid proliferation of technology is that many firms are unaware, or under-prepared for the risks that technology can attract and the consequences that follow when your data is stolen.


Navigating Subrogation in Canada: A Look at Subrogation Rights for Out-of-Province Insurers Arising from Motor Vehicle Accidents
by Adam Grant
April 12, 2019

CLC Article - Co-written by:

Adam Grant, McCague Borlack LLP (Toronto, ON)
David Pick, Brownlee LLP (Calgary, AB)
Franco Cabanos, Whitelaw Twining Law Corp. (Vancouver, BC)

Given the proximity between the two countries, at some point, most American-based subrogation professionals will become involved with a claim containing a motor vehicle accident that occurred in Canada. An understanding of Canadian subrogation principles is, therefore, an invaluable asset to ensuring that claims are dealt with promptly and appropriately.

In order to provide some clarity in respect of subrogation arising from motor vehicle accidents, this article will provide the legal foundation necessary to understand the subrogation rights (and limitations) as they apply to out-of-province insurers in three Canadian provinces: Ontario, British Columbia, and Alberta.


Egg on your face - you may have a claim: Case Comment: Gilbrairth v. Intact Insurance
by Howard Borlack
April 08, 2019

In Gilbraith v. Intact Insurance Company,1 the Ontario Superior Court of Justice offered clarification on the degree of assistance an expert report submitted as an attachment to a solicitor's affidavit can provide in a summary judgment motion. The Court also determined whether the throwing of an object out of a moving vehicle classified as an intervening act sufficient to break the causative link between the plaintiff's injuries and the use and operation of a motor vehicle. This case is significant as it introduces unique analysis that can be used to attribute more injuries to the use and operation of an automobile as well as provide an additional tool to defend a summary judgment motion.


Is anyone ensuring that your Mink Lashes are cruelty-free? An Overview of the Regulation of Fur Farming in Canada
March 21, 2019

This article takes a high-level perspective of the regulation of the fur farming industry in Canada, with a specific focus on the predominant fur-bearing species raised on fur farms in Canada: minks and foxes.

Canada's robust fur trade saw over 2.3 million minks and foxes bred on fur farms in 2017, generating approximately $800 million dollars. As of 2017, there were over 200 mink and fox fur farms across Canada, which produced over 2 million pelts. Even now, there is a trend towards the use of mink fur in eyelash extensions. However, despite the size of the industry, the legislative framework is surprisingly inconsistent and often under-regulated. 


Sex, Lies & VideoTape: Where do Canadian's have a reasonable expectation of Privacy
March 18, 2019

The recent Supreme Court of Canada decision in R v Jarvis is the high court's most recent pronouncement on privacy rights. Jarvis concerned a high school English teacher who used a pen camera to surreptitiously record videos of female students. Charged with the criminal code offence of voyeurism the courts below grappled with the issues of whether Mr. Jarvis recorded the students for a sexual purpose, and whether the students had a reasonable expectation of privacy while at school. Ultimately, Mr. Jarvis's conviction was upheld and the matter remitted for sentencing, but along the way, the court laid down some important principles which will affect the judicial interpretation of privacy in all areas going forward.


Jam Session Gone Wrong: How an Office Party Created a Coverage Debacle - Case Study: RSA v. Intact
by Christopher Macaulay
March 08, 2019

The recent case of Royal & Sun Alliance Insurance Company v. Intact Financial Corp. addressed a coverage litigation extravaganza involving a set of disjointed decisions from the Ontario Superior Court.

 
Stephen Novak attended an “after hours jam session” at the office of his friend, Sanjay Patel. The office space was occupied by Mr. Patel's engineering firm, while the office building as a whole was owned by Mr. Patel's separate numbered company (106220 Ontario Inc.). Unfortunately, Mr. Novak fell off a ladder at the party and sustained serious injuries. 
 
Mr. Novak's ensuing lawsuit named three defendants. Accordingly, three insurance policies were potentially triggered to respond to the loss.

Getting "Ahead" of the Changes Rowan's Law and the Potential Impact on Insureds – Further Updates
by Michelle Legault and James Tomlinson
February 28, 2019

Note: This paper has been updated from a prior version published in May 2018 to reflect recent developments in the legislation and potential regulations

Overall, Rowan's Law is intended to serve as “broad framework legislation” for concussion management and prevention in amateur competitive sport. The legislation will apply to any “sport organization”, defined as “a person or entity that carries out, for profit or otherwise, a prescribed activity in connection with an amateur competitive sport.”18 A “sport organization”, which may be further defined by regulation, will be required to:


Taking A Dip Into Public Pool Liability: Municipal and Resort Related Liability
by James Tomlinson
February 28, 2019

This article is our latest update in our swimming pool liability series, following our 2013 paper. 

This year's approach will focus on public pools encompassing not only municipally funded facilities but also pools located in resorts and at hotels. Beginning with a refresher on the Occupiers' Liability Act, we will then explore the standards required of public pools, with a distinction made between Class A and Class B pools under Regulation 565 of the Health Protection and Promotion Act (“HPPA”) then the liability exposure between supervised versus unsupervised pools, and finally, we will provide best practices for risk management of public pools.