An insurance company must follow-up on evidence after the initial decision to deny a claim is made. If they do not, punitive damages may be assessed against them.

17. July 2010 0
Appeal by the insurer from a jury’s award of punitive damages dismissed. By not following up on all the evidence relevant to the claim, withholding critical information from the adjuster engaged to investigate the claim and allowing the adjuster to present the results of the investigation in a partisan, biased and un-objective manner, the insurer’s ...

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

08. April 2010 0
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 ...

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

06. April 2010 0
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 applied only to multi-car accidents. Further, even if the ...

An insurer may seek indemnification from a broker who sells the insurer’s product, but the broker may not be entitled to indemnification from the insurer

30. March 2010 0
Application by a broker for an order declaring insurer liable to indemnify or make contribution to him for the settlement paid to insured plaintiffs was dismissed. The law of agency precluded the relief the broker sought because the insurer was entitled to indemnity from the agent for his negligence in handling the insured plaintiffs’ policy. As ...