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<loc>https://strigberger.com/</loc>
<lastmod>2026-10-06T05:21:53+00:00</lastmod>
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<loc>https://strigberger.com/priority-disputes/priority-disputes-101-reflection-on-deflection/</loc>
<lastmod>2025-01-26T19:38:29+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2025/04/deflection-e1744465513255.webp</image:loc><image:title>Priority Disputes 101: Reflection on Deflection</image:title></image:image>
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<loc>https://strigberger.com/priority-disputes/priority-disputes-notice-in-90/</loc>
<lastmod>2025-01-26T19:43:02+00:00</lastmod>
</url>			<url>
<loc>https://strigberger.com/priority-disputes/priority-disputes-101-the-claimant/</loc>
<lastmod>2025-01-26T19:45:56+00:00</lastmod>
</url>			<url>
<loc>https://strigberger.com/priority-disputes/priority-disputes-101-the-final-frontier/</loc>
<lastmod>2025-01-26T19:54:00+00:00</lastmod>
</url>			<url>
<loc>https://strigberger.com/automobile-coverage/ice-is-back-with-a-brand-new-decision/</loc>
<lastmod>2025-01-26T20:08:27+00:00</lastmod>
</url>			<url>
<loc>https://strigberger.com/loss-transfer-and-priority-disputes/hickory-dickory-dock-covid-19-stopped-our-clock/</loc>
<lastmod>2025-01-26T20:13:26+00:00</lastmod>
</url>			<url>
<loc>https://strigberger.com/priority-disputes/priority-insurer-has-no-options/</loc>
<lastmod>2025-01-26T20:19:57+00:00</lastmod>
</url>			<url>
<loc>https://strigberger.com/property-coverage/court-of-appeal-skunks-late-property-loss-claims/</loc>
<lastmod>2025-01-26T20:32:51+00:00</lastmod>
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<loc>https://strigberger.com/priority-disputes/priority-disputes-101-help/</loc>
<lastmod>2025-12-13T18:47:38+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2025/04/priority101-e1744465639816.webp</image:loc><image:title>Priority Disputes 101: Help!</image:title></image:image>
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<loc>https://strigberger.com/automobile-coverage/mig-classification-marcelo/</loc>
<lastmod>2026-04-03T23:52:14+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2026/02/minor-injury-guideline-marcelo-beagles.webp</image:loc><image:title>Beagle doctor reviewing brain MRI illustrating Minor Injury Guideline classification</image:title></image:image>
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<loc>https://strigberger.com/automobile-coverage/the-nexus-test-in-ontario-accident-benefits-wilson-and-wais/</loc>
<lastmod>2026-04-03T23:52:28+00:00</lastmod>
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<loc>https://strigberger.com/automobile-coverage/sabs-accident-found-but-late-notice-bars-claim-jones/</loc>
<lastmod>2026-04-03T23:52:45+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2026/01/beagle-jones.webp</image:loc><image:title>Beagle holding a shovel beside a parked vehicle, symbolizing late notice accident benefits under the SABS</image:title></image:image>
</url>			<url>
<loc>https://strigberger.com/loss-transfer/loss-transfer-fault-ontario/</loc>
<lastmod>2026-04-03T23:53:39+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2025/12/ontario-loss-transfer-fault-determination-rules.webp</image:loc><image:title>Three beagles pointing at each other, illustrating how fault is assigned under Ontario’s loss transfer fault determination rules</image:title></image:image>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2025/12/FDR-12-300x122.jpg</image:loc><image:title>Ontario loss transfer fault determination rules 12</image:title></image:image>
</url>			<url>
<loc>https://strigberger.com/best-practices/why-ontario-insurers-must-keep-log-notes/</loc>
<lastmod>2026-04-03T23:53:54+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2025/11/beagle-lognotes.webp</image:loc><image:title>Beagle using an iPad as if taking digital notes, in a modern office setting</image:title></image:image>
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<loc>https://strigberger.com/automobile-coverage/opcf-47r-explained/</loc>
<lastmod>2026-04-03T23:54:24+00:00</lastmod>
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<loc>https://strigberger.com/automobile-coverage/sniffing-out-relief-how-due-diligence-beat-a-claim-denial/</loc>
<lastmod>2026-04-03T23:54:45+00:00</lastmod>
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<loc>https://strigberger.com/priority-disputes/principal-dependency-explained/</loc>
<lastmod>2026-04-03T23:55:40+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2025/05/dependant-beagle.webp</image:loc><image:title>Principal Dependency Explained (Without Chasing Your Tail)</image:title></image:image>
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<loc>https://strigberger.com/priority-disputes/why-foreign-insurers-must-comply-with-ontarios-priority-dispute-scheme/</loc>
<lastmod>2026-04-03T23:57:26+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2025/03/roadtrip_beagle-e1741715660738.webp</image:loc><image:title>Why Foreign Insurers Must Comply with Ontario’s Priority Dispute Scheme</image:title></image:image>
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<loc>https://strigberger.com/automobile-coverage/court-coffee-car-coverage-case-confirmed/</loc>
<lastmod>2026-04-03T23:58:03+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2025/04/beagle_coffee.webp</image:loc><image:title>Coffee Car Coverage Case Confirmed</image:title></image:image>
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<loc>https://strigberger.com/loss-transfer/loss-transfer-new-fone-who-dis/</loc>
<lastmod>2026-04-03T23:58:35+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2025/04/beagle_truck-copy-e1744465682813.webp</image:loc><image:title>Loss Transfer: New Fone Who Dis?</image:title></image:image>
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<loc>https://strigberger.com/accident-benefits/medical-other-reasons-sabs-varriano-part-1/</loc>
<lastmod>2026-05-10T20:47:52+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2026/05/medical-other-reasons-sabs-varriano-beagle-insurance-notice.webp</image:loc><image:title>Beagle reviewing insurance notice paperwork and highlighted claims documents under the SABS after Varriano</image:title></image:image>
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<loc>https://strigberger.com/accident-benefits/medical-and-other-reasons-under-the-sabs-after-varriano-part-2/</loc>
<lastmod>2026-05-26T20:11:53+00:00</lastmod>
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</url>			<url>
<loc>https://strigberger.com/tort/can-occupiers-deduct-sabs-diep/</loc>
<lastmod>2026-06-16T18:04:09+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2026/06/can-occupiers-deduct-sabs-diep-ontario-court-of-appeal.webp</image:loc><image:title>Beagle standing beside a parked car on an icy parking lot, illustrating a dispute involving SABS deductions and occupiers’ liability.</image:title></image:image>
</url>			<url>
<loc>https://strigberger.com/tort/lloyd-v-baker-discoverability-limitation-periods/</loc>
<lastmod>2026-06-29T12:02:41+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2026/06/lloyd-v-baker-discoverability-beagle.webp</image:loc><image:title>Beagle following a trail of footprints beside an antique pocket watch, symbolizing discoverability and limitation periods in Lloyd v. Baker.</image:title></image:image>
</url>			<url>
<loc>https://strigberger.com/priority-disputes/opcf-47r-optional-benefits-claims-process/</loc>
<lastmod>2026-07-06T12:21:21+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2026/07/opcf-47r-optional-benefits-choice-beagle.webp</image:loc><image:title>Beagle choosing between a tennis ball and chew toy, representing the OPCF 47R optional benefits claims process.</image:title></image:image>
</url>			<url>
<loc>https://strigberger.com/accident-benefits/sparks-v-primmum-insurer-denial-notice-requirements/</loc>
<lastmod>2026-08-10T12:31:56+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2026/08/sparks-v-primmum-insurer-denial-notice-deadline.webp</image:loc><image:title>Beagle racing with an envelope beside a clock, representing the deadline to dispute an insurer’s denial notice</image:title></image:image>
</url>			<url>
<loc>https://strigberger.com/accident-benefits/jakupovic-intact-sabs-notice-requirements/</loc>
<lastmod>2026-09-17T19:22:57+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2026/09/jakupovic-intact-sabs-notice-requirements.webp</image:loc><image:title>Beagle beside a damaged vehicle at dusk, illustrating SABS notice requirements in Jakupovic v. Intact</image:title></image:image>
</url>			<url>
<loc>https://strigberger.com/duty-to-defend/insureds-coverage-claim-knocked-out/</loc>
<lastmod>2025-01-26T20:09:02+00:00</lastmod>
</url>			<url>
<loc>https://strigberger.com/property-coverage/onca-stops-rolling-limitation-period-for-business-interruption-insurance/</loc>
<lastmod>2025-01-26T20:15:54+00:00</lastmod>
</url>			<url>
<loc>https://strigberger.com/duty-to-defend/onca-no-trial-within-a-trial-in-the-duty-to-defend/</loc>
<lastmod>2025-01-26T20:16:44+00:00</lastmod>
</url>			<url>
<loc>https://strigberger.com/automobile-coverage/no-void-ab-initio-for-auto/</loc>
<lastmod>2025-01-26T20:23:12+00:00</lastmod>
</url>			<url>
<loc>https://strigberger.com/property-coverage/how-much-risk-does-a-builders-risk-risk/</loc>
<lastmod>2025-01-26T20:24:48+00:00</lastmod>
</url>			<url>
<loc>https://strigberger.com/privacy/digital-privacy-act-brings-hurrahs-headaches-to-insurers/</loc>
<lastmod>2025-01-26T20:26:36+00:00</lastmod>
</url>			<url>
<loc>https://strigberger.com/priority-disputes/scc-finds-nexus-in-zurich-v-chubb/</loc>
<lastmod>2025-01-26T20:28:17+00:00</lastmod>
</url>			<url>
<loc>https://strigberger.com/privacy/phipa-does-not-protect-health-information-custodians-from-lawsuits/</loc>
<lastmod>2025-01-26T20:29:15+00:00</lastmod>
</url>			<url>
<loc>https://strigberger.com/loss-transfer/loss-transfer-limitation-rolls-along/</loc>
<lastmod>2025-01-26T20:29:55+00:00</lastmod>
</url>			<url>
<loc>https://strigberger.com/subrogation/insurer-cant-sue-your-and-you/</loc>
<lastmod>2025-01-26T20:30:44+00:00</lastmod>
</url>			<url>
<loc>https://strigberger.com/automobile-coverage/onca-reverses-matheson-no-husbandry-here/</loc>
<lastmod>2025-01-26T20:31:57+00:00</lastmod>
</url>			<url>
<loc>https://strigberger.com/automobile-coverage/a-tale-of-two-automobile/</loc>
<lastmod>2025-01-26T20:34:20+00:00</lastmod>
</url>			<url>
<loc>https://strigberger.com/tort/ontario-court-all-drivers-have-a-duty-to-avoid-accidents/</loc>
<lastmod>2026-04-03T23:54:10+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2025/10/beagle-duty.webp</image:loc><image:title>Beagle holding an Ontario license plate that reads ITSMYDUTY in a studio portrait, advocating for duty of car Ontario</image:title></image:image>
</url>			<url>
<loc>https://strigberger.com/automobile-coverage/tick-tock-youre-barred-lat-applies-hard-line-on-sabs-timelines/</loc>
<lastmod>2026-04-03T23:55:03+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2025/07/ttc.webp</image:loc><image:title>LAT Applies Hard Line on SABS Timelines</image:title></image:image>
</url>			<url>
<loc>https://strigberger.com/automobile-coverage/ordinary-parlance-meet-the-new-face-of-automobile/</loc>
<lastmod>2026-04-03T23:55:22+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2025/06/930kbeagle.webp</image:loc><image:title>Ordinary Parlance: Meet the New Face of &quot;Automobile&quot;</image:title></image:image>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2025/06/maxresdefault-1024x576.jpg</image:loc><image:title>Am I an automobile?</image:title></image:image>
</url>			<url>
<loc>https://strigberger.com/priority-disputes/applicant-insurers-must-fetch-own-handling-expenses-in-priority-disputes/</loc>
<lastmod>2026-04-03T23:56:01+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2025/04/money_beagle.webp</image:loc><image:title>ONCA says insurers must fetch their own handling expenses in priority disputes</image:title></image:image>
</url>			<url>
<loc>https://strigberger.com/priority-disputes/priority-rules-rule-why-out-of-province-insurers-cant-dodge-ontario-claims/</loc>
<lastmod>2026-04-03T23:56:18+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2025/04/alberta_beagle.webp</image:loc><image:title>Priority Rules Rule: Why Out of Province Insurers Can’t Dodge Ontario Claims</image:title></image:image>
</url>			<url>
<loc>https://strigberger.com/property-coverage/bcca-finds-coverage-weed-exclusion-is-half-baked/</loc>
<lastmod>2026-04-03T23:56:35+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2025/04/beagledude.webp</image:loc><image:title>BCCA finds Coverage: Weed Exclusion Is Half Baked</image:title></image:image>
</url>			<url>
<loc>https://strigberger.com/dogs-and-pets/beware-of-dog-liability-how-ontario-law-redefines-ownership/</loc>
<lastmod>2026-04-03T23:56:54+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2025/03/beagle_gump.webp</image:loc><image:title>Beware of Dog… Liability: How Ontario Law Redefines Ownership</image:title></image:image>
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<loc>https://strigberger.com/automobile-coverage/claimants-assault-was-not-an-automobile-accident/</loc>
<lastmod>2026-04-03T23:57:44+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2025/01/beagle_bat-copy-e1744465720203.webp</image:loc><image:title>Claimant’s assault was not an automobile “accident”</image:title></image:image>
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<loc>https://strigberger.com/accident-benefits/no-crash-no-cash-bus-injury-accident-benefits/</loc>
<lastmod>2026-04-09T12:13:17+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2026/03/no-crash-no-cash-bus-injury-accident-benefits.webp</image:loc><image:title>No crash no cash rule bus injury accident benefits Ontario TTC passenger sudden stop</image:title></image:image>
</url>			<url>
<loc>https://strigberger.com/automobile-coverage/lat-is-a-mobility-scooter-an-automobile-in-ordinary-parlance/</loc>
<lastmod>2026-05-26T20:08:25+00:00</lastmod>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2026/03/beagle-driving-daymak-boomer-beast-mobility-scooter.webp</image:loc><image:title>Beagle driving a Daymak Boomer Beast mobility scooter on a road</image:title></image:image>
<image:image><image:loc>https://strigberger.com/wp-content/uploads/2025/01/daymak-boomer-beast-mobility-scooter-side-view-300x210.webp</image:loc><image:title>Daymak Boomer Beast mobility scooter side view showing three wheel design and rear cargo rack</image:title></image:image>
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