Articles 2023

Message from the Chair of the OBA Insurance Law Section

This decision highlights the importance of lawyers reviewing the medical records and the medical-legal reports generated during the Applicant’s file, and whether these documents are clear as to why the Applicant is either within or outside the Minor Injury Guideline (MIG). The adjudicator decided that the LAT will not infer information that is not clearly expressed in the medical evidence especially when compelling evidence is required to be discharged from the MIG.

In Ledcor Construction Ltd v Northbridge Indemnity Insurance Co the SCC applied the "faulty workmanship" exclusion in a Builders' Risk policy. The Court held that the exclusion does not preclude coverage "merely because the damage results to that part of the project on which the contractor was working." The decision also establishes that insurance contracts need to be interpreted consistently because they are standard form contracts.

Another successful term for the Insurance Law Section draws to a close, and we welcome our incoming chair, Amanda McBride.

As of January, 2016, there is a conflict of judicial opinion about whether the two-year limitation period in section 18 runs from the date of service of the claim, unaffected by discoverability.

Weather Attribution is a broad term encapsulating many scientific disciplines that seek to ultimately link climate change to specific weather events. As a scientific field, it is rarely seen within litigation matters, but it has manifested itself in the insurance industry, as insurers have found utility in this science for several years now, when dealing with issues related to weather events.

Two cases decided within the last year have confirmed that an insurer that adds itself as a Third Party pursuant to Section 258 (14) of the Insurance Act (the off-coverage insurer) is required to answer questions and disclose information in relation to the insurer’s off-coverage position.

When an organized liquor-filled party takes place on a bus, does responsibility rest on the “party” or on the “bus”?

We are pleased to announce that John A. McLeish, Co-Founder, McLeish Orlando LLP, is a winner of the 2016 OBA Award for Excellence in Insurance Law.

Debra E. Rolph of LawPRO has authored a paper concerning notable insurance limitation period cases and also discusses some outstanding “problem” areas. Ms. Rolph’s paper has been divided into 4 parts: Part 1: Discoverability; Part 2: Pleadings and Procedural Issues; Part 3: Insurance Contracts; and Part 4: “Problem” Areas and Conclusion.