Ontario Insurance Coverage Blawg
It’s like a legal thriller, but with fewer car (or beagle) chases and more “Did they really mean that in the policy?” Let’s decode the mysteries, strategies, and occasional absurdities of this fascinating (in an insurance sort of way) world.
No Crash, No Cash: Divisional Court Denies Bus Injury Benefits
Is a public transit rider entitled to accident benefits for injuries inside the vehicle? The Divisional Court confirms not unless the vehicle collided with “another automobile or any other object”. This decision...
LAT: Is a Mobility Scooter an “Automobile” in Ordinary Parlance?
Mobility scooter or automobile? The Ontario LAT in Bartok v Intact says “a under the ordinary parlance test. A critical look at the decision and its implications for accident benefits and insurance.
When Minor Isn’t Minor: Why Context Matters in MIG Classification
The Divisional Court in Marcelo clarifies that MIG classification is injury-based, not impairment-based. Context is critical in accident benefits files.
The Nexus Test in Ontario Accident Benefits: Wilson and Wais
Two Coachman decisions appear to point in opposite directions on nexus and priority. They don’t. Wilson and Wais reveal a disciplined framework reshaping how accident benefits claims are adjudicated at the LAT.
SABS Accident Found, But Late Notice Bars Claim: Jones
The LAT found a slip and fall near a vehicle was an accident under the SABS, but late notice accident benefits deadlines and missed reporting barred the claim.
Loss Transfer Fault in Ontario: Why Fault Matters & How it Works
Loss transfer disputes don’t fail because fault is complicated — they fail because it’s misunderstood. This post explains why fault matters, where it came from, and why tort findings are irrelevant.
Why Ontario Insurers Must Keep Log Notes: A Practical Perspective
Why log notes are effectively mandatory for Ontario insurers. FSRA, UDAP, LAT practice, and industry standards all make contemporaneous notes indispensable.
Ontario Court: All Drivers Have a Duty to Avoid Accidents
Ontario’s Superior Court confirms all drivers share a duty to avoid accidents — even by taking steps to prevent harm. Learn what McFee v. Sutram means.
OPCF 47R Explained: Ontario SABS Changes and the 2026 Reforms
Ontario’s new OPCF 47R endorsement fixes accident benefit priority issues and prepares insurers, agents, brokers, and policyholders for Ontario’s 2026 SABS reforms.
Sniffing Out Relief: How Due Diligence Beat a Claim Denial
One cancelled road test. One medical episode while driving. The court ruling that every claims adjuster needs to see.
Tick Tock, You’re Barred: LAT Applies Hard Line on SABS Timelines
She said her injuries didn’t seem serious. Her medical records said otherwise. The LAT sided with the paperwork—and barred her claim because it was late.
Ordinary Parlance: Meet the New Face of “Automobile”
Is a Caterpillar 930K wheel loader an “automobile” under Ontario insurance law? This SABS accident benefits coverage ruling might have you rethinking your ordinary parlance.