MT Insurance Law Blog

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Miller Thomson Blogs put a more conversational lens on Canadian law. See the diverse perspectives of our lawyers here.

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Pre-judgment Interest on General Damages

December 10, 2019 | Chris T.J. Blom

In 2015 the Ontario Insurance Act, R.S.O. 1990 c.C.18 was amended to provide that Rule 53.10 of the Rules of Civil Procedure, R.R.O. 1990, which calls for pre-judgment interest at 5%, no longer applies to cases involving car accidents. The...


No Jurisdiction at the LAT for Arbitration Proceedings: Commenced but not Completed at FSCO

September 10, 2019 | Helen D.K. Friedman

The transition of the forum for Statutory Accident Benefits disputes from the Financial Services Commission of Ontario (“FSCO”) to the Licence Appeal Tribunal (the “LAT”), effective April 1, 2016, was not as seamless as anticipated and continues to be the...


Commercial Transactions and All-Risks Coverage

July 31, 2019 | Chris T.J. Blom

How can a commercial transaction be the subject of indemnity under an all-risks policy? In Heart Zap Services Inc. v. Lloyd’s Underwriters, 2019 ONSC 3667 the plaintiff, Heart Zap Services Inc., received an order from Dr. Thomas Hardy for 25...


The Worth of “Diminished Value” Claims in Ontario – Update

May 28, 2019 | Helen D.K. Friedman

In past blogs,[1] my colleague, Patricia Forte, has tracked the case law on the state of “diminished value” claims in Ontario.  A recent Superior Court case, Zheng v. Certas Home and Auto Insurance Co.,[2] provides further insight as to the...


Demetriou v. AIG: The Burden of Proof and the Requirement to Plead Fraud

February 19, 2019 | Michael Prosia

Mr. Demetriou had a family heirloom ring appraised.  It was worth $550,000.  He insured the ring against theft with AIG Insurance Company of Canada (“AIG”) in July 2015, and was to pay an annual premium of over $10,000.  A few...


Umbrella Insurance Policies: Should you have one?

February 12, 2019 | Theodore J. Madison

What is Umbrella Insurance? Personal umbrella insurance is a type of insurance policy designed to add extra liability coverage over and above another insurance policy, such as auto, boat, or homeowners. The extra coverage applies when the liability limits of...


The Deduction of Accident Benefits in Tort Actions

January 16, 2019 | Chris T.J. Blom

In the 2018 decisions of Cadieux v. Clouthier and Carroll v. McEwen, the Ontario Court of Appeal clarified the manner in which accident benefits are to be deducted from awards of tort damages. In the past, there were two approaches....


Update: No Civil Fraud Says Ontario Court of Appeal – Overturning Paulus v. Fleury

December 21, 2018 | Michael Prosia

Earlier this year, the Ontario Superior Court of Justice refused to enforce a settlement after finding that the plaintiffs’ lawyer had engaged in civil fraud by misrepresenting the independence of two witnesses at a pre-trial conference.  In addition to refusing...


Who is the Lessee? Whoever the Lessor Can Sue to Enforce the Lease – An Update on Insurer Priority of Third Party Claims Involving Lessors

November 27, 2018 | Lyndsay Hone

Who can a lessor sue to enforce a lease? In a recent decision on priority of payment in a motor vehicle tort action, the Ontario Superior Court of Justice resolved the priority dispute by answering this question. In Aviva Insurance...


The Common Law is Sometimes Not So Common — ONCA Releases Contradictory Decisions on Municipal Liability in Nearly Identical Cases

October 11, 2018 | Michael Prosia

Canada is a common law jurisdiction.  The heart of the common law is that like cases are to be treated alike. This fundamental principle of the common law is upheld through the use of appellate courts.  A judge of a...


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This blog sets out a variety of materials relating to the law to be used for educational and non-commercial purposes only; the author(s) of this blog do not intend the blog to be a source of legal advice. Please retain and seek the advice of a lawyer and use your own good judgement before choosing to act on any information included in the blog. If you choose to rely on the materials, you do so entirely at your own risk.