Plouffe v. Mutual Life Assurance Co. of Canada [2005] B.C.J. No. 2382 British Columbia Supreme Court

The plaintiff, who was disabled from working at medium and heavy employment was nevertheless not totally disabled from an occupation within the range of his education, training and experience.

Continue Reading...

Wi-Lan Inc. v. St. Paul Guarantee Insurance Co. [2005] A.J. No. 1416 Alberta Court of Appeal

An Insurer has a duty to defend an Insured if there is a possibility that the allegations in the Statement of Claim permit a judgment against an Insured within the terms of the policy of insurance. Whether there was any merit to the alleged claim, or whether the alleged claim could be proven at trial, is irrelevant. Furthermore, it is inappropriate to rely upon the Statement of Defence and third party pleadings when determining whether a duty to defend existed.

Continue Reading...

Skuratow v. Commonwealth Insurance Co. [2005] B.C.J. No. 2257 British Columbia Court of Appeal

Commonwealth Insurance ("Commonwealth") was successful in appealing a trial decision allowing Skuratow’s claim for the replacement value of his missing truck and trailer where the Court found that Skuratow made wilfully false statements to Commonwealth’s adjuster which were material to the claim.

Continue Reading...

Beauchamp v. Insurance Corporation of British Columbia [2005] B.C.J. No. 2218 British Columbia Court of Appeal

The Court of Appeal confirmed that it was an error to appoint an arbitrator to determine whether the underinsured motorist protection scheme of the Insurance (Motor Vehicle) Act applied where there had been no determination of liability nor proof of inability to satisfy the judgment.

Continue Reading...

Alofs v. Temple Insurance Co. [2005] O.J. No. 4372 Ontario Superior Court of Justice

An Insured under a Directors and Officers Liability Policy ("Alofs") was entitled to a defence for claims relating to the time period after he ceased to be a director, where the Court found the claim did allege a breach of duty of disclosure in the discharge of Alofs’ duties as a director.

Continue Reading...

566935 BC Ltd. (c.o.b. West Coast Resorts) v. Allianz Insurance Co. of Canada [2005] B.C.J. No. 2145 British Columbia Supreme Court

The Court held that the damage by shipworms to the insured’s wooden hulled vessel was considered "ordinary wear and tear" and was not occasioned by a "peril of the sea".

Continue Reading...