The Licence Appeal Tribunal (LAT) recently released its decision in Hathaway-Warner and Security National Insurance Company (17-005314/AABS). The central issue in the hearing was whether the Applicant, Valerie Hathaway-Warner (VHW) had suffered a catastrophic impairment (CAT) from her July 14, 2010 rear-end collision.
In Pucci v. Wawanesa (2019 ONSC 1706), a recent Ontario Superior Court of Justice decision, the court weighed in on causation in a catastrophic impairment (CAT) claim. The plaintiff claimant, Brittany Pucci, had been injured n a car accident on June 16, 2013. She suffered various physical injuries and psychological impairments following the accident. Her insurer, Wawanesa paid for her accident benefits including income replacement benefits (IRBs), attendant care (AC) and housekeeping and home maintenance (HKHM) as required under the Statutory Accident Benefits Schedule (SABS) until her non-CAT limits were exhausted. Following termination, she applied to the Court for declarations...
In F.D. and Allstate Canada, a recent decision of the Licence Appeal Tribunal (LAT) before Adjudicator Daoud, causation was again a central issue in a claim for determination of catastrophic impairment (CAT). The claimant, F.D. had been rear-ended on August 6, 2014. She suffered extensive soft-tissue injuries, with post-concussion symptoms, anxiety and depression. She sought treatment for ongoing pain and functional limitations, as well as increasing cognitive dysfunction and psychological impairment. Her insurer, Allstate, paid her accident benefits claims up to the non-CAT limits then denied further funding. Mediation failed to resolve the issue between the parties, which led to the...
If you have been seriously injured in a motor vehicle accident, it can be difficult performing routine tasks that you used to take for granted. You may feel fatigued, frustrated and overwhelmed. At the same time your insurance company will be pressuring you to return to work and resume your daily activities.
In Aviva Canada Inc. v. Sleep(FSCO Appeal P17-00034), Director’s Delegate Murray was required to review an arbitration decision concerning the Minor Injury Guideline (MIG) of the Statutory Accident Benefits Schedule (SABS). In the decision, Arbitrator Anschell found that the Respondent, Mr. Sleep had sustained injuries from a March 26, 2014 collision that exceeded the definition of “Minor Injury” under the MIG.
One of the most controversial (and potentially unconstitutional) aspects of the Ontario government’s 2019 budget released on April 11, is the proposed repeal of the Proceedings Against the Crown Act. This Act has been in force for 56 years and establishes the framework for citizens to sue the government. In its place, the Ford Conservatives will enact the Crown Liability and Proceedings Act. The proposed Act will severely limit the circumstances under which a plaintiff can pursue a lawsuit against the government whileintroducing significant additional procedural hurdles. Provided that the government is deemed to have acted in “good faith”, the...
Early this year, the government asked for public input into the future of auto insurance in Ontario. We were cautiously optimistic that they wanted genuine participation from the people most affected by any reforms. However, now that the “Blueprint” has been published as part of the 2019 Budget, it is clear the Liberals have little interest in putting drivers first.
In Gilbraith v. Intact Insurance Company (2019 ONSC 1875), Intact brought a Summary Judgment Motion to dismiss Ms. Gilbraith’s claim. She had been seriously injured following an unusual chain of events that she claimed was an “accident” as defined in the Insurance Act. On April 11, 2014 she and a friend were walking when she was struck in the eye by an egg, thrown from a passing carwhich fled the scene. As a result, Ms. Gilbraith lost central vision in her right eye.
Significant amendments to the Statutory Accident Benefits Schedule (SABS) came into effect in June2016. Changes to the criteria for determining catastrophic impairment (CAT) were finally put to the test in M.C. and BelairDirect (2019 ONLAT 18-004112/AABS)the first published decision under the new rules.
In H.S. and Allstate Insurance (2018 CanLII 132563), the parties held a Preliminary Issue hearing before Adjudicator Deborah Neilson of the Licence Appeal Tribunal (LAT). The Applicant, H.S. was seriously injured in a car accident on August 18, 2016. She submitted an application for Determination of Catastrophic Impairment (CAT) to the Respondent, Allstate, her automobile insurer. Allstate rejected the application. It claimed that she had used the form for accidents that occurred before June 1, 2016, whereas her collision occurred after June 1, 2016, when the current version of the Statutory Accident Benefits Schedule (SABS) came into force. The significance of this distinction involved both the...