Canadian coverage, focused on claims, 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.
27 verified publications. Showing the 27 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.
Insurance Bureau of Canada reported on October 22 that severe weather caused more than $3.7 billion in insured damage during summer 2026, the third highest summer total in Canadian history. The industry estimate signals continuing pressure on property claims, underwriting and disaster planning for households and businesses.
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.
A claimant failed to recover $5,000 in alleged lost wages from ICBC after a lengthy vehicle repair. The Tribunal found no proven unreasonable handling of the claim and, independently, no evidence that the delays caused her to lose employment.
A driver successfully challenged ICBC's revised finding of complete fault in a three vehicle collision. The Tribunal allocated 75% of responsibility to another driver and ordered ICBC to reimburse $375 of his deductible, but not a $3,000 engineering report.
ICBC's finding that a driver was 100% responsible for a winter collision survived a fresh Tribunal assessment. The driver had entered a highway in the face of an immediate hazard and failed to prove the approaching driver contributed to the crash.
The Tribunal upheld ICBC's assignment of 100% responsibility after a scooter was moved into a parked car. Early statements and photographs supported the damage assessment, and an insurer's estimator was treated as a business witness rather than an independent expert.
A named beneficiary kept the proceeds of 2 segregated fund policies after the court rejected his brother’s alleged sharing promise and resulting trust claim. The judge preferred the statutory beneficiary designation framework and ordered the money released from court.
A driver blamed an unsafe lane change for a 3 vehicle collision, but BC's Civil Resolution Tribunal found he had time to rebuild a safe following distance. ICBC's finding that he was 100% responsible stood, even though the other driver technically broke a lane change rule.
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.
Manitoba's life insurance proof requirements don't prevent a reasonable civil fraud inquiry. A policy authorization let BMO require answers, but the court found no fraud or final entitlement to $300,000.
A business facing a breach may have to notify regulators and customers while making an insurance claim. These are different obligations, with different triggers and deadlines.
Cyber insurance can provide access to specialists, but the insured company still has to decide which privacy obligations apply and whether an incident requires notification.
Initial CatIQ estimates put September 2 and 3 storm losses in southern Ontario at $563 million. That's a measure of insured damage across the event, not a promise that every flooded basement, vehicle or roof will be covered.
An accident report, a benefits application and a dispute between insurers don't trigger the same duties. Recent Ontario appeals and provincial guidance show how a claim can change direction before anybody reaches the coverage question.
When a patient must leave their community for an appointment, travel can be inseparable from receiving treatment. The Government of Nunavut explains that Extended Health Benefits medical travel support may assist residents wh
A person denied insurance coverage may understandably call the provincial Superintendent of Insurance and expect an independent ruling on the claim. Newfoundland and Labrador's published complaint
Ontario's July 2026 benefit changes make customer elections, renewal evidence and listed driver eligibility critical to a reliable claim decision.
September’s Canadian insurance developments didn’t point to one national legal rule. They pointed to something more useful: outcomes are increasingly turning on the exact operational detail, from notice requirements and disclosure duties to endorsements, approved forms and capital treatment.
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'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.
A claims relationship can become unnecessarily adversarial when every request from an adjuster is treated as the insurer’s final position.
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.
The Ontario Court of Appeal upheld coverage after finding no substantial breach of the insured’s duty to cooperate and no error in applying a notice cure without insurer prejudice.
A reference list of what policyholders can expect and insist on during claims adjustment, from good-faith handling to proof-of-loss timelines and the right to outside help.
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