{"id":5302,"date":"2019-12-10T14:41:35","date_gmt":"2019-12-10T19:41:35","guid":{"rendered":"https:\/\/www.millerthomson.com\/pre-judgment-interest-on-general-damages\/"},"modified":"2024-09-16T11:06:20","modified_gmt":"2024-09-16T15:06:20","slug":"pre-judgment-interest-on-general-damages","status":"publish","type":"post","link":"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/pre-judgment-interest-on-general-damages\/","title":{"rendered":"Pre-judgment Interest on General Damages"},"content":{"rendered":"<p>In 2015 the Ontario <em>Insurance Act, <\/em>R.S.O. 1990 c.C.18 was amended to provide that Rule 53.10 of the <em>Rules of Civil Procedure,<\/em> R.R.O. 1990, which calls for pre-judgment interest at 5%, no longer applies to cases involving car accidents.<\/p>\n<p>The policy rationale underlying the amendment was the climate of low interest rates over the past few decades. At the time of the amendment, the rate of pre-judgment interest under s.127 of the <em>Courts of Justice Act, <\/em>R.R.O. 1990, c.C.43 (the \u201c<em>Act<\/em>\u201d) was 1.3%.<\/p>\n<p>Courts have been reluctant to embrace this approach in cases which do not involve car accidents, until the recent Court of Appeal decision of <em>MacLeod v Marshall<\/em> 2019 ONCA 842 (\u201c<em>MacLeod<\/em>\u201d).<\/p>\n<p>The court recognized that a trial judge has the discretion to allow interest at a lower rate having regard to changes in market rates, under s.130 of the <em>Act.<\/em><\/p>\n<p><em>MacLeod<\/em> involved a claim for damages for sexual abuse. The trial judge failed to consider the jurisdiction to reduce the rate of interest, despite the submissions of counsel for the defence.<\/p>\n<p>The Court of Appeal concluded that the trial judge should have taken into account the declining rates of interest and allowed the appeal on the rate of interest, to adjust it to 1.3% on general and aggravated damages, reflecting the economic reality that rates have declined significantly over time.<\/p>\n<p>The <em>MacLeod<\/em> case may be advanced for the proposition that pre-judgment interest at the market rate, now 2.0%, should be the rate used on the award of general damages in all cases such as slip and falls, assault and defamation.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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 policy rationale underlying the amendment was the climate of low interest rates over the past [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14367,"parent":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[525],"insight-format":[418],"class_list":["post-5302","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pre-judgment Interest on General Damages | Miller Thomson<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/pre-judgment-interest-on-general-damages\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pre-judgment Interest on General Damages | Miller Thomson\" \/>\n<meta property=\"og:description\" content=\"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 policy rationale underlying the amendment was the climate of low interest rates over the past [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.millerthomson.com\/en\/insights\/insurance\/pre-judgment-interest-on-general-damages\/\" \/>\n<meta property=\"og:site_name\" content=\"Miller Thomson\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MillerThomsonLaw\/\" \/>\n<meta property=\"article:published_time\" content=\"2019-12-10T19:41:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-09-16T15:06:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.millerthomson.com\/wp-content\/uploads\/2024\/10\/Insights_Insurance_Post-Image.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1776\" \/>\n\t<meta property=\"og:image:height\" content=\"994\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" 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