Insurance Blogs hosted by Canadian Underwriter
Insurance Blogs hosted by Canadian Underwriter
The Court of Appeal for Ontario has held that a Minnesota tortfeasor with only $500,000 liability limits is an “inadequately insured motorist” under the Family Protection Endorsement (OPCF 44R) in Ontario, where the 44R limits are $1 million. In Hartley v.…
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The License Appeal Tribunal has held that a person who tripped over stone blocks and fell into a parked Honda vehicle was involved in an “accident”, making him entitled to receive accident benefit under the Statutory Accident Benefits Schedule. In…
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When is a flood a flood? In Parker Pad & Printing Ltd. v. Gore Mutual Insurance Company, the plaintiff’s premises in Haliburton, Ontario were flooded during a severe rainfall. The rainfall resulted in large pools of water collecting outside of…
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In 2015, auto insurance fraud cost Ontario consumers an estimated $1.3 billion – 13% of total auto insurance premiums. This considerable cost suggests that thousands of people are committing this type of crime. How do the perpetrators commit fraud? Exaggerating…
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On March 14, 2017, Microsoft released a critical patch to address a security vulnerability on its Windows operating system. On May 12, eight weeks later, the WannaCry global ransomware attack exploited that exact vulnerability, impacting over 230,000 computers in more…
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For Ontario brokers who thought they could rest easy after a year of dealing with the changes to the Statutory Accident Benefits Schedule, I’m afraid your prayers have not entirely been answered. Effective July 1st, the Highway Traffic Act in…
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I recently read a Superior Court decision about a woman who burned herself with hot coffee at a McDonald’s drive-through. Sound familiar? This case has nothing to do with the notorious hot coffee tort case in the U.S. that made…
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As technology evolves quickly, the terminology to describe it – and the ways in which we implement it – evolves even faster. Remember when the insurance industry first discussed “digital strategies,” only to be told shortly thereafter that because all…
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Does an ATV become an “automobile” under Ontario insurance law if it is involved in an accident outside Ontario? In Benson v. Belair, an Ontario resident fell off the back of an All-Terrain Vehicle (ATV) in Fort Nelson, British Columbia.…
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Whenever a new technology emerges, there is always the question as to whether it will assist or threaten existing industries. With the surge in activity from fintechs, the property and casualty insurance industry is facing this question on a number…
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I don’t think there’s a better way to say “I love you” than to give that special someone their very own copy of Auto Insurance Coverage Law in Ontario. For those dark and lonely nights when your loved one wants…
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“Get a horse!” people would yell in the early 1900’s as motorized vehicles were starting to gain in popularity. The majority of the population would not believe or could not understand that the trusted horse used for over 1,000 years…
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Voice recognition technology was the star at this year’s International Consumer Electronics Show (CES) – not as a standalone product, but as a high-tech feature in dozens of other gadgets. Integrations with Apple’s Siri, Amazon’s Alexa and Google Assistant were…
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Can the definition of “owner” under the Dog Owners’ Liability Act include someone who does not have dominion and control over the dog? The Court of Appeal for Ontario says “yes”. Take a Bite of the Dog Owners’ Liability Act By way of background,…
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