An insured acquitted of arson in criminal proceedings can still have his entitlement to insurance proceeds voided by allegations of arson.

Insurer established Insured committed arson thereby depriving Insured recovery under the policy.

Performance Factory Inc. v. Atlantic Insurance Co. Limited, [2010] N.J. No. 78 (S.C), March 3, 2010, Newfoundland and Labrador Supreme Court - Trial Division, R.P. Whalen J.

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A person in an uninsured vehicle whose common law spouse has automobile insurance may be covered by his spouse's automobile policy.

Insured covered under automobile policy issued to common law spouse for an accident involving an uninsured van.

Faulds v. O'Connor, [2010] N.S.J. No. 67, February 12, 2010, Nova Scotia Supreme Court, P. Bryson J.

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The decison of an arbitrator or umpire assessing the value of a loss in an insurane contract may be binding on the courts.

An action by the insured for payment under a hail insurance policy asking that the amount of loss as determined by the Umpire be set aside and a new amount inserted was dismissed as the court found that a statutory condition of the Saskatchewan Insurance Act was binding on the insured.

Debalinhard v. Butler Byers Hail Insurance Ltd., [2010] S.J. No. 57, February 10, 2010, Saskatchewan Provincial Court (Civil Division), R. Green, Prov. Ct J.

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Despite the pleadings, an insurer may not have a duty to defend an insured whom commits an intentional assault.

The applicant sought an order requiring RBC General Insurance to defend him in a claim arising from the applicant hitting a third party in the eye with a glass.  The judge dismissed the application citing the true nature of the pleadings was that the applicant deliberately and with full knowledge of his actions hit the third party in the eye resulting in an intentional assault, which was not covered under the policy.

Makowchik v. RBC General Insurance Co., [2010] O.J. No. 533, February 2, 2010, Ontario Superior Court of Justice, A. Pollak J.

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Although an insurer may be required to defend an insured for direct losses, the duty to defend may not extend to consequential losses.

Intact Insurance Company was unsuccessful in seeking a declaration that it was required to defend an action  for direct damage only, and that it was not obliged to defend or indemnify for damages relating to consequential damage, as the court held that it was not clear whether the loss would be found to be a direct physical loss or damage, or whether the exclusion for liability for consequential damage would apply.

Intact Insurance Co. v. Keith Hart Holdings Ltd., [2010] B.C.J. No. 281, February 18, 2010, British Columbia Supreme Court, G.D. Burnyeat J. In Chambers

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For purposes of determining whether a duty to defend exists the court may look at the Statement of Defence drafted by the insured.

Appeal by insurer from an order requiring it to defend the insured in a third party proceeding was dismissed. Chambers judge correctly concluded that the statement of claim should be considered in the determination of whether a duty to defend arose. Since the Statement of Claim alleged negligence arising from the insured’s use and operation of a motor-vehicle the insurer was obligated to defend the allegations.

Tarrabain v. Wawanesa Mutual Insurance Co., [2010] A.J. No. 50, January 8, 2010, Alberta Court of Appeal, P.T. Costigan, K.G. Ritter JJ.A. and R.P. Belzil J.

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A driver may leave the scene of a single vehicle accident and not report the accident to his insurer, and still be entitled to coverage under his automobile insurance

Appeal from a provincial court decision finding that the insured had a right of indemnification against I.C.B.C. for the cost of repairing damage to its motor-vehicle was dismissed.  The provincial court judge did not err in finding that s. 68(1) of the Insurance( Motor Vehicle) Act (the “Act”) applied only to multi-car accidents. Further, even if the judge had erred in this regard, I.C.B.C. failed to prove it was prejudiced by the alleged breach, as is required by s. 136(b) of the Revised Regulation under the Act.

Insurance Corp of British Columbia v. Pariah Productions Inc., [2010] B.C.J. No. 206, Febrtuary 5, 2010, British Columbia Supreme Court, A.H. Silverman, J.

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The insclusion of a signficant additional deductible into an existing insurance contract following protracted negotiations was upheld despite inconsistencies in the amended contract.

The action by an owner of a fleet of ships ("More Marine") against its Insurers and its insurance broker was dismissed where the Court found that a deductible clause allowing a deductible to be charged for the constructive total loss of a vessel was included in the insurance contract and that More Marine knew and agreed to the inclusion of this deductible clause in the contract.

More Marine Ltd. v. Axa Pacific Insurance Co., [2010] B.C.J. No. 109, January 22, 2010, British Columbia Supreme Court, M.D. Macaulay J.

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Damage arising from improperly maintained equipment may not be covered by a multi peril policy.

The action by an operator of a refrigerated warehouse ("Versacold") against an Insurer under a multi-peril subscription policy ("Commonwealth") was dismissed where the Court held that damage to stock in the refrigerated warehouse was caused by leakage of refrigerant which resulted from wear and tear.

Versacold Corp. v. Zurich Insurance Co., [2010] B.C.J. No. 30, January 11, 2010, British Columbia Supreme Court, W.G. Baker J.

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