Canadian coverage, focused on auto insurance, with verified short holdings, original analysis and links to the underlying sources. A publication date isn't the same as a decision date. The dates below identify which is shown.
16 verified publications. Showing the 16 most recent.
Alberta's Superintendent of Insurance issued 2 Care First guidelines effective October 8 covering treatment pathways after initial injury care and evidence for daily living assistance benefits. Insurers and health practitioners preparing for the January 2027 auto insurance transition now have specific directions for documenting and assessing these claims.
The BC Supreme Court distinguished accident-related injuries from the risks posed by a pedestrian’s pre-existing spinal condition and awarded $702,964 following an admitted-liability motor vehicle collision. Its assessment applied thin-skull and crumbling-skull principles to the evidence, without deciding any insurance coverage issue.
Ontario's Divisional Court upheld accident benefits eligibility for a university basketball player who lived away from home but depended principally on his sister for care. The Tribunal assessed practical, emotional and social support, and the insurer showed neither legal error nor unreasonableness. The appeal and judicial review were dismissed.
Reporting a collision and vehicle damage didn't notify Intact that the insured intended to claim statutory accident benefits. Ontario's Court of Appeal restored the tribunal's rejection of a claim made much later, while confirming that a reasonable explanation can excuse late notice under the regulations.
The Court of Appeal upheld Definity's $0.30 per kilometre reimbursement for medical travel because the evidence did not establish a higher rate was required. It expressly refused to set a universal rate.
The Divisional Court upheld the refusal of catastrophic accident benefits where the recalculated impairment remained below the 55% threshold. It accepted the tribunal's use of more recent clinical findings and its authority to correct technical rating errors without a new hearing.
A CT confirmed brain contusion cannot be treated as a minor injury simply because Ontario's accident benefits rules mention contusions. The Divisional Court overturned the tribunal's interpretation and took the insured out of the $3,500 Minor Injury Guideline.
A BC court assessed almost $646,000 in damages after a lengthy collision injury trial. The decision deals with expert evidence, earning capacity and future care, not an insurer's entitlement to deny coverage.
Ontario's July 2026 benefit changes make customer elections, renewal evidence and listed driver eligibility critical to a reliable claim decision.
Alberta has approved the standard automobile forms that will support its Care First system on January 1, 2027, while separate guidance is now setting out how early treatment and claim administration are expected to work.
Ontario licensed auto insurers must submit the 2026 Annual Auto Insurance Attestation through FSRA’s Online Services Portal by October 30, 2026. The filing requires certification by the CEO or the most senior officer responsible for Ontario operations.
Ontario's Court of Appeal held that reporting a collision to an insurer does not itself notify the insurer that the insured intends to claim statutory accident benefits.
The Court of Appeal reinstated an arbitration decision leaving Chubb responsible for accident benefits after it failed to follow Ontario’s pay first and notify process.
In Alberta, collision covers vehicle damage, while uninsured-motorist coverage addresses qualifying bodily-injury and death claims.
Alberta prohibits driving while suspended, and the standard owner’s auto policy also contains a prohibited-use condition.
Family protection can address bodily-injury losses involving underinsured, uninsured or unidentified motorists, depending on the provincial form.
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