coverage Tag Archives

How Will Reforms to Impaired Driving Laws Impact Ontario Insurance Coverage?

Driving into the THC Fog

On April 13, 2017, the Federal Government announced long-anticipated plans to legalize marijuana in Canada. Along with that announcement came the most sweeping proposed reforms to Canada’s impaired driving laws seen in decades. This article will attempt to forecast possible insurance coverage pitfalls if and when these laws are in place, based on the current law in Ontario. Generally, you purchase insurance to cover a …

4 Questions to Ask Your Broker Before Renewing Your Auto Insurance

people review documents

On June 1, 2016, the automobile insurance coverage available to Ontarians fell dramatically, meaning car crash victims will now receive significantly less money to help them get back on their feet. The decreased coverage will take effect upon policy renewal. Unless consumers purchase optional additional coverage, the amount of coverage they have will be significantly less than it was prior to the June 1st changes. …

Why you need optional car insurance benefits

a hand signs a form with a car in the background

Posted with permission from gironeslawyers.com Several changes to the Ontario Accident Benefits regime in recent years have meant that you do need many of the optional benefits offered by your car insurance company. Because these optional increases cost more money, many people opt not to purchase them. Unfortunately, it is only after they are injured in a car accident that people realize why the optional benefits are …

Lica v. Dhaliwal, 2015 ONSC 3888 (CanLII)

Released July 29, 2015 | CanLII The Plaintiff commenced an action against the Defendants after sustaining injuries in a motor vehicle accident. State Farm Mutual Insurance Company (“State Farm”) denied coverage to the Defendants and had itself added as a statutory third party in the action, but refused to provide detailed information as to why it denied coverage. The Plaintiff sought an order requiring State …

Tompros v. Ravitharan et al, 2015 ONSC 3998

Released June 19, 2015 | CanLII This was a motion brought by Desjardins as intervener to have a coverage issue determined prior to trial regarding an excluded driver under one of its policies. The excluded driver had signed an OPCF 28A Excluded Driver form in 2007. The form had not been approved by the FSCO Superintendent, was not witnessed, and did not specify which automobiles …

Show Me the Policy, Honey! Why is Uber keeping its insurance details a secret?

Uber maintains it has sufficient insurance to protect customers of the popular ride-sharing program, but refuses to produce the paperwork to prove it. On March 9, 2015, Uber asked an Ontario Superior Court Judge for an Order to seal its insurance policy, claiming it is necessary to do so for “competitive reasons”. The sufficiency of Uber’s insurance coverage is a hot button topic and Uber …