Ontario’s new OPCF 47R endorsement fixes accident benefit priority issues and prepares insurers, agents, brokers, and policyholders for Ontario’s 2026 SABS reforms.
Daniel Strigberger
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.
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.
Principal Dependency Explained – Without Chasing Your Tail
Who counts as a “dependant” under Ontario’s standard auto insurance policy? The answer can determine whether someone is entitled to death benefits, optional benefits, or even which insurer pays under section 268(2) of the Insurance Act.
Applicant insurers must fetch own handling expenses in priority disputes
Must a respondent insurer in a priority dispute reimburse the applicant insurer for legal fees, adjuster’s fees, administrative costs and disbursements incurred while handling the SABS claim?
Priority Rules Rule: Why Out-of-Province Insurers Can’t Dodge Ontario Claims
Does Ontario’s priority dispute scheme apply to an Ontario licensed insurer who issued a policy in Alberta — when their insured is involved in an accident in Ontario?
BCCA finds Coverage: Weed Exclusion Is Half-Baked
Does a marijuana cultivation exclusion in a homeowner’s policy exclude fire losses to the premises where the plants are growing?
Beware of Dog… Liability: How Ontario Law Redefines Ownership
What does it mean to be an “owner” of a dog under Ontario’s Dog Owners' Liability Act? This case provides a cautionary tale for those who care for animals professionally. Mama always had a way of explaining things so I could understand them In Nigro v. Luciano, the...
Why Foreign Insurers Must Comply with Ontario’s Priority Dispute Scheme
Sometimes people who are not residents of Ontario decide that they want to visit Ontario. In many cases, these visitors have their own auto insurance policies in their home jurisdiction, and many times their insurers do not conduct business in Ontario. Unfortunately,...
Claimant’s assault was not an automobile “accident”
The LAT has issued an accident benefits coverage decision, finding a claimant who was assaulted in his vehicle was not involved in an “accident” under the Statutory Accident Benefits Schedule. Overview of assault and claim In Addison v Intact, the claimant had just...