Ontario’s new OPCF 47R and optional benefits claims process is now active, but several claims-handling questions remain unresolved, including transition-period policies, insurer elections, reimbursement, file transfers, anti-deflection, limitation issues, and loss transfer.
Mobility scooter or automobile? The Ontario LAT in Bartok v Intact says “automobile” under the ordinary parlance test. A critical look at the decision and its implications for accident benefits and insurance.
The Divisional Court in Marcelo clarifies that MIG classification is injury-based, not impairment-based. Context is critical in accident benefits files.
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.
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.
Ontario’s new OPCF 47R endorsement fixes accident benefit priority issues and prepares insurers, agents, brokers, and policyholders for Ontario’s 2026 SABS reforms.
One cancelled road test. One medical episode while driving. The court ruling that every claims adjuster needs to see.
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.
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.
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.