Aviva Canada Inc. V. Yaehne [2005] S.J. No. 822 Saskatchewan Court of Queen's Bench

The Court refused to grant an Insurer’s application for declaratory judgement that the exclusion clause in a homeowner’s insurance policy applied because the Insured’s son, who was renting a basement suite from the Insured, was found not to have been residing in the Insured’s household when he injured himself on her property.

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Miller v. Grain Insurance and Guarantee Co. [2005] S.J. No. 767 Saskatchewan Court of Queen's Bench

An insured threw a tire iron at a third party. The tire iron struck the third party in the temple and killed him. The insurance company was required to provide the insured with a defence to the civil action commenced against him by the deceased family because there was a real possibility that the insured could be found to have killed the third party as a result of negligence, as opposed to an assault or trespass to the person without lawful justification.

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Hart (Guardian ad litem of) v. Combined Insurance Co. of America [2005] N.S.J. No. 508 Nova Scotia Supreme Court

An infant Insured under a sickness hospital benefit policy ("Hart") was entitled to benefits related to periods of hospitalization even where part of the reason for the hospitalization was to provide respite care.

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Hart (Guardian ad litem of) v. Combined Insurance Co. of America [2005] N.S.J. No. 508 Nova Scotia Supreme Court

An infant Insured under a sickness hospital benefit policy ("Hart") was entitled to benefits related to periods of hospitalization even where part of the reason for the hospitalization was to provide respite care.

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Strata Plan VR414 v. Colyvan Pacific Real Estate Management Services Ltd. [2005] B.C.J. No. 2818 British Columbia Provincial Court

Failure to report a loss under a claims-report based policy within the time limit expressed in the wording of the policy will disentitle the insured to insurance coverage for that loss. An insured is not entitled to relief from forfeiture for failure to report a loss under a claims-based policy.

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Reilly v. Insurance Corp. of British Columbia [2005] B.C.J. No. 2660 British Columbia Supreme Court

Judgment following an Application pursuant to Rule 33. The Court held that: 1) ICBC was not required to pay the Plaintiff an adjustment to the damages calculated as of the date of trial which counsel had incorrectly referred to as "interest"; 2) ICBC was required to pay post-judgment interest on unpaid costs; and 3) ICBC was not entitled to deduct the appeal costs awarded in favour of the Insured against the trial costs it was required to pay the Plaintiff.

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Hanis v. University of Western Ontario [2005] O.J. No. 5289 Ontario Superior Court of Justice

The University of Western Ontario (the "University") succeeded in obtaining an Order that its Insurer ("Guardian") pay 95% of the legal costs incurred by the University in defending an action brought against it by a former employee ("Hanis"). Guardian was held to be responsible for all defence costs except that portion of the costs related exclusively to non-covered claims.

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Wright v. Canadian Northern Shield Insurance Co. [2005] B.C.J. No. 2630 British Columbia Court of Appeal

The Court of Appeal dismissed the appeal by an Insured from the dismissal of his action against the Insurer for insurance coverage of a rental house that was destroyed by fire. The Insurer was entitled to rely on a vacancy exclusion in the policy.

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National Car Rental v. Thibodeau [2005] N.B.J. No. 530 New Brunswick Small Claims Court

National Car Rental ("National") was unsuccessful in obtaining reimbursement from a purchaser of rental vehicle insurance ("Thibodeau") where the Court refused to uphold a contractual prohibition from driving on an unpaved road.

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McLean (Litigation Guardian of) v. Jorgenson [2005] O.J. No. 5207 Ontario Court of Appeal

The Court of Appeal dismissed an appeal by the Insurer from a decision granting leave to admit an Affidavit and finding that the Insurer had a duty to defend.

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Abell v. Underwriters, Lloyd's, London [2005] B.C.J. No. 2679 British Columbia Supreme Court

The Defendant Insurer was not liable to pay the Insured’s claim under an insurance policy for his floating home which burned down, because the Insured voided the policy by failing to keep the home permanently moored and by failing to inform the Insurer of the material change in risk.

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Radvar v. Canada (Attorney General) [2005] O.J. No. 5239 Ontario Superior Court of Justice

The Plaintiff’s claims against the Attorney General of Canada, his Insurer and various other parties was dismissed by way of Summary Judgment after the Court found that the Release executed between the Plaintiff and his Insurer precluded commencing an action against a non-party to the Release in which a claim-over could be made against the Releasee. Accordingly, the Defendants’ motion for Summary Judgment dismissing the Plaintiff’s claims and the cross-claims was granted.

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