Sandra L. Hawes, QC

Partner | Edmonton


Portrait of Sandra L.  Hawes

Artificial Intelligence Revolution and the Insurance Industry

The information revolution has had an undeniable impact on society, as did the industrial revolution before it.  Now artificial intelligence is poised to be the next revolution that will have an immense impact on our society from our personal lives...


Lack of Consent = No SEF No. 44 Coverage

In the recent case of Cardinal v. Alberta Motor Association Insurance Company, 2018 ABCA 69 (CanLII), the Alberta Court of Appeal overruled the lower court, determining that an injured passenger was not covered under an SEF No. 44 Family Protection...


Will Ontarians be Permitted to Traffic in Life Policies
Bill 162, Insurance Amendment Act (Life Settlements), 2017

Life settlements, also known as trafficking or trading in life insurance policies, involve the disposition by the insured of all rights under a life insurance policy to a third party in exchange for a cash payment.  This payment is frequently...


Mental Injury and Negligence Law – Recognized Psychiatric Illness Not Required

In the recent decision of Saadati v. Moorhead, 2017 SCC 28 (CanLII), the Supreme Court of Canada rejected the argument that claims for mental injury are subject to a different test than claims for physical injury, holding that the law...


Fort McMurray Fire Loss Update: The “Beast” – Its Cost to the Insurance Industry and the Need for Greater Risk Management

Fort McMurray, Alberta is a northern urban community within the Regional Municipality of Wood Buffalo. It is situated in the middle of the Athabasca oil sands and is nestled in a valley surrounded by boreal forest. With a population of...


Privilege Over Adjusters’ Files and Surveillance

Alberta Civil Trial Lawyers Association


Missed Life Premium Payment – No Relief from Forfeiture

Canadian Journal of Insurance Law, Vol. 28, No. 4

This article was published for the Miller Thomson Insurance Law Newsletter, May 2010, and featured in the Canadian Journal of Insurance Law in July 2010.