The Court of Appeal considered whether the addition of the words "compensation similar to benefits" to section 106 of the Insurance (Vehicle) Regulation changed the meaning of section 106 such that compensation in the form of sick bank accumulation should be deducted from damages awarded for past income loss. The Court found that the words "compensation similar to benefits" did not remove the element of insurance from a plain reading of the section. The accumulation of sick leave credits does not involve an element of insurance. Accordingly, sick banked time is not deductible.

Jordan v. Lowe [2013] B.C.J. NO. 2647, December 3, 2013, British Columbia Court of Appeal, R.T.A. Low, C.E. Hinkson and D.C. Harris JJ.A.

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The Court concluded that the extension of coverage for Interruption by Civil Authority did not provide coverage for subsequent consequential losses that occurred after access by a civil authority was no longer denied.

Strata Plan KAS3058 v. St. Paul Fire and Marine Insurance Co. (c.o.b. Travellers) [2013] B.C.J. No. 2651, December 2, 2013, British Columbia Supreme Court, M.L. Fleming J.

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The issuer of a comprehensive general liability policy brought an application seeking a declaration that the issuer of an excess liability policy was required to contribute to defence costs incurred on behalf of their common insured. The Court of Appeal upheld a decision holding that there was no overlapping coverage for defence costs under the policies and, therefore, the excess insurer had no duty to contribute to the defence costs.

ACE INA Insurance v. Associated Electric & Gas Insurance Services Ltd., [2013] O.J. No. 5162, November 14, 2013, Ontario Court of Appeal, E.E. Gillese, R.G. Juriansz and G.R. Strathy JJ.A.

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Insurer obligated to pay for insured's full-time care under Ontario Statutory Accident Benefits Schedule---Effective September 1, 2010, and not just for care provided during the 40 hours per week when the insured's mother would have been working but for the accident.

Henry v. Gore Mutual Insurance Co., [2013] O.J. No. 3792, July 16, 2013, Ontario Court of Appeal, J.M. Simmons, A. Hoy and G.R. Strathy JJ.A.

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The insurer denied coverage for a fire that substantially destroyed its insured’s building on the basis the insured’s principal deliberately set the fire. Action by the insured against the insurer allowed because the insurer did not meet the burden of proof necessary to establish that the fire was deliberately set by the insured’s agent.

Number 216 Holdings Ltd. v. Intact Insurance Co., [2013] B.C.J. No 1549, July 17, 2013, British Columbia Supreme Court, S.A. Griffin J.

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Commercial general liability insurer found to owe insured, a construction company, a duty to defend it in respect to a claim by a condominium corporation for alleged construction defects.

Canalta Construction Co. Ltd. v. Dominion of Canada General Insurance Co., [2013] A.J. No. 592, June 3, 2013, Alberta Court of Queen's Bench, V.O. Ouellette J.

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In reasons focusing on the need for deterrence, punitive damages awards of $1,500,000 and $3,000,000 were made against two insurers respectively. The court also awarded aggravated damages of $150,000 and $300,000 against each insurer respectively for breaching the peace of mind contracts.

Branco v. American Home Assurance Co., [2013] S.J. No. 151, March 21, 2013, Saskatchewan Court of Queen's Bench, M.D. Acton J.

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An insurer was found to have breached the duty of good faith when it decided to terminate benefits without any factual or legal grounds despite no damages actually occuring because benefits were reinstated before they were actually terminated.

Saskatchewan Government Insurance v. Wilson, [2012] S.J. No. 832, November 13, 2012, Saskatchewan Court of Appeal, W.J. Vancise, R.K. Ottenbriet and N.W. Caldwell JJ.A.

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An insured is entitled to pursue a tort claim for his actual loss after deducting no fault benefits

Insured entitled to maintain an action under s. 103 of the Automobile Insurance Act (Saskatchewan) against the defendants in respect to a claim for the difference between the amount the insurer contributed towards his rehabilitation and living assistance costs and his actual costs, and the difference between the income replacement benefits paid by the insurer and his actual yearly income loss.

Acton v. Britannia (Rural Municipality, No. 502), [2012] S.J. No. 791, December 20, 2012, Saskatchewan Court of Appeal, J. Klebuc C.J.S., M.A. Gerwing and G.R. Jackson JJ.A.

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An insurer will be responsible for paying administrative fees associated with damage caused by an insured

Insured was liable to pay a 10% administrative fee levied by Nova Scotia Department of Transportation and Infrastructure Renewal for the repair of a culvert damaged by motor vehicle driven by an employee of the insured.

Nova Scotia (Attorney General) v. Jacques Home Town Dry Cleaners, [2013] N.S.J. No. 4, January 3, 2013, Nova Scotia Court of Appeal, J.W.S. Saunders, L.L. Oland and J.E. Fichaud JJ.A.

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