A criminal conviction is prima facie evidence of an intentional act which would exclude coverage under most insurance contracts

23. January 2009 0
Appellant insured’s criminal conviction for intentionally setting fire on his property establishes a successful prima facie case by insurer at trial and shifts the burden to the insured to show a genuine issue for trial. Ecclesiastical Insurance Office plc v. Michaud, [2008] M.B.J. No. 387, Manitoba Court of Appeal, M.A. Monnin, R.J.F. Chartier and A.D. MacInnes JJ.A., ...

Health authorities do not owe an insured a duty to settle their subrogated interest in their insured’s tort action

16. January 2009 0
The Court concluded that Manitoba Health did not owe the plaintiff contractual or fiduciary duty of care under the province’s health legislation; however, it owed the plaintiff a private law duty of care in compliance with statutory obligations and established policies and guidelines. Lewycky v. Government of Manitoba, 2008 M.J. No. 390, Manitoba Court of Queen’s ...

Top 10 Canadian Insurance Coverage Decisions from 2007

15. January 2009 0
Canadian National Railway Co. v. Royal and Sun Alliance Insurance Co. of Canada, [2008] S.J.C. No. 67, Supreme Court of Canada, McLachlin C.J., and Binnie, LeBel, Deschamps, Abella, Charron and Rothstein JJ, November 21, 2008 I know this is out of date, but this is a nice summary of 10 interesting Canadian insurance coverage decisions ...

The improper risk or design exclusion in an all-risk policy will not exclude coverage to well-designed, yet faulty, products

15. January 2009 0
An insured is entitled to coverage under an all-risk policy against the possibility that a product design might fail even though not improper or faulty according to the state of the art. Canadian National Railway Co. v. Royal and Sun Alliance Insurance Co. of Canada, [2008] S.J.C. No. 67, Supreme Court of Canada, McLachlin C.J., ...

Interpretation of an insurance contract can require a trial if a factual matrix is necessary to determine the context pertaining to the clause in question

06. January 2009 0
The Defendant insurer brought a motion to dismiss an action concerning a cancellation clause written into an agreement via Summary Judgment. There was ambiguity, and the issue dealt with conflicting evidence and therefore ought to go to trial. Ajax (Town) v. St. Paul Fire and Marine Insurance Co., [2008] O.J. No. 3660 Ontario Superior Court ...

Under Ontario automobile insurance legislation, an arbitrator may determine limitation periods

02. January 2009 0
This dispute between insurers under Ontario’s Regulation 283/95 queries whether an arbitrator can decide if, at first instance, the one year limitation period under the Regulations applies.  The Judge found the arbitrator can decide questions of law and jurisdiction. ING Insurance Co. of Canada v. Insurance Corp. of British Columbia, [2008] O.J. No. 3759, Ontario ...

A novice driver’s third party liability insurance will be reduced to $200,000 if they drink and drive. An insurer will waive their right to breach their insured if they file a statement of defence.

25. December 2008 0
Under a Graduated Driver’s Licencing scheme in Ontario, a novice driver must have zero blood alcohol concentration while driving, or third party limits are reduced from $1,000.000.00 to the minimum statutory limits of $200,000.00.  The deceased, Ms. Logel, was not authorized to drive at the time of the accident as a result of her consumption ...

An insurer may not be responsible for costs when an insured is unsuccessfully defended pursuant to an insurance policy

20. December 2008 0
A Plaintiff was successful in a professional negligence claim against a lawyer.  The lawyer was insolvent.  The Plaintiff attempted to obtain costs from the insurer who funded the defendant’s litigation.  The Plaintiff was unsuccessful at supreme court, and on appeal. Perez v. Galambos (c.o.b. Galambos & Co.)., [2008] B.C.J. No. 1845, British Columbia Court of ...

Insurance companies and their lawyers tend to evaluate the value of claims better than plaintiffs’ counsel

17. November 2008 0
Eighty to 92 percent of all cases settle before trial. A recent study by Kiser, “… An Empirical Study of Decision Making in Unsuccessful Settlement Negotiations”, Journal of Empirical Legal Studies, Volume 5, Issue 3, 551‑591, September 2008, compares settlement offers to trial results in 2,054 cases that went to trial from 2002 to 2005 in the United States. The study ...