An insurer that funded an insured’s defence without raising coverage issues until the litigation was “well advanced” was estopped from denying coverage despite a potentially applicable exclusion

11. December 2018 0
Insurance law – Liability insurance – Homeowner’s policy – Exclusions – Personal injury – Duty to defend – Waiver – Estoppel Commonwell Mutual Assurance Group v. Campbell, [2018] O.J. No. 5152, 2018 ONSC 5899, Ontario Superior Court of Justice, October 4, 2018, C.U.C. MacLeod J. In April 2015, the insured was sued following a collision ...

The insured’s claim for diminished value of his vehicle following a collision was dismissed because the claim was excluded by Statutory Condition 4(5)

11. December 2018 0
The insured’s claim for diminished value of his vehicle following a collision was dismissed because the claim was excluded by Statutory Condition 4(5). Insurance law – Automobile insurance – Diminished value – Interpretation of policy – Statutory provisions – Practice – Summary judgments Dion v. Security National Insurance Co., [2018] A.J. No. 1222, 2018 ABPC ...

A third party contractor’s claim against the insurer for environmental clean-up costs owed to the contractor by the bankrupt insured was dismissed

11. December 2018 0
Insurance law – Liability insurance – General contractors – Third parties – Interpretation of policy – Practice – Summary judgments SWAT Consulting Ltd. v. Canadian Western Bank, [2018] A.J. No. 1250, 2018 ABQB 875, Alberta Court of Queen’s Bench, October 24, 2018, Master J.T. Prowse The insurer indemnified the insured for the costs to clean-up ...

In order to determine the first-loss insurer for a motor vehicle accident, one only needs to look at the rental agreement for a leased vehicle

11. December 2018 0
In order to determine the first-loss insurer for a motor vehicle accident, one only needs to look at the rental agreement for a leased vehicle. Insurance law – Automobile insurance – Uninsured motorist – Priority coverage – Statutory provisions Aviva Insurance Co. v. Wawanesa Mutual Insurance Co., [2018] O.J. No. 5018, 2018 ONSC 5778, Ontario ...

Wrongful denial of coverage did not constitute bad faith

11. December 2018 0
Insurance law – Property insurance – Landlord and tenant – Coverage – Bad faith – Duties and liabilities of insurer – Delay 688857 Ontario Ltd. (c.o.b. A to Z Properties) v. Aviva Insurance Co. of Canada, [2018] O.J. No. 5269, 2018 ONSC 5891, Ontario Superior Court of Justice, October 11, 2018, D.G. Stinson J. The ...

Structural damage resulting from parking lot repairs was faulty workmanship, which was excluded from coverage under multi-peril insurance policy

13. November 2018 0
Insurance law – Property insurance – Strata corporations – Multi-peril policy – Exclusions – Appeals – Standard of review Condominium Corp. No. 9312374 v. Aviva Insurance Co. of Canada, [2018] A.J. No. 1140, 2018 ABQB 674, Alberta Court of Queen’s Bench, September 19, 2018, R.J. Hall J. The insurer successfully appealed a Master’s decision finding ...

Ontario Court of Appeal allows appeal of order dismissing representative plaintiffs’ certification motion in proposed class action lawsuit in respect to sale of life insurance policies

13. November 2018 0
Insurance law – Life insurance – Misrepresentation – Interpretation of policy – Class actions – Certification – Limitation periods – Practice – Summary judgments – Appeals Fehr v. Sun Life Assurance Co. of Canada, [2018] O.J. No. 4513, 2018 ONCA 718, Ontario Court of Appeal, September 5, 2018, G.R. Strathy C.J.O., C.W. Hourigan and B. ...

Insurer of vehicle involved in motor vehicle accident in Nunavut required to pay Ontario statutory accident benefits to occupant of vehicle insured in Ontario

13. November 2018 0
Insurance law – Automobile insurance – Appeals – Priority coverage – Interprovincial issues – Statutory obligations – Arbitration Travelers Insurance Co. v. CAA Insurance Co., [2018] O.J. No. 4681, 2018 ONSC 3911, Ontario Superior Court of Justice, September 13, 2018., A. Pollak J. Travelers appealed a decision of a private arbitrator who determined that Travelers ...

Insured’s application for declaration of coverage under homeowner’s policy not suitable for determination under summary trial rule

13. November 2018 0
Insurance law – Homeowner’s insurance – Coverage – Exclusions – Water damage – Practice – Summary judgment vs. trial Cotter v. Dominion of Canada General Insurance Co., [2018] B.C.J. No. 3136, 2018 BCSC 1527, British Columbia Supreme Court, September 5, 2018, D.C. MacDonald J. The insured brought an application for a declaration that he was ...

In a claim for unidentified motorist protection coverage, the limitation period does not begin to run until the plaintiff makes an indemnification demand and the responding insurer fails to satisfy that demand

09. October 2018 0
Insurance law – Automobile insurance – Unidentified motorist – Limitation of actions Rooplal v. Fodor, [2018] O.J. No. 4460, 2018 ONSC 4985, Ontario Superior Court of Justice, August 20, 2018, V.R. Chiappetta J. The insurer provided unidentified motorist coverage under the Insurance Act, R.S.O. 1990, C. I.8, s.265. The plaintiff applied for leave to add ...