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Gray v Intact Insurance, 2023 CanLII 133 (ON LAT) Reading Time: 3 minutes (approx.) By: Chloe Jardine (Articling Clerk) The Applicant, Hailey Gray, was “involved” in a motor vehicle accident on August 14, 2019, and claimed entitlement to statutory accident benefits under the Statutory Accident Benefits Schedule, Effective September 1, 2010, O Reg 34/10 (“the...
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The Appellant’s final argument was that there was “a material distinction between her intention to obtain the Percocet pills and her intentions regarding the patients’ records” [para 66]. In effect, she tried to argue that her accessing patient records was an “unintended consequence of her intentional conduct to obtain the pills” [para 66]. The Court...
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Searles v Economical Insurance, 2022 ONSC 7217. Reading Time: 3 minutes (approx.) By: Weston McArthur (Articled Clerk) Christine and Darrell Searles, the Applicants, had a home insurance policy with Economical Mutual. Eventually, the Applicants sold their home. In 2013, the purchaser of the home sued the Applicants for damages, alleging that home renovations done by...
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Bains v Cheema, 2022 BCCA 430. Reading Time: 5 minutes (approx.) By: Weston McArthur (Articled Clerk) Dilsher Cheema was injured in a rear-end motor vehicle accident that took place on January 28, 2018. Liability was not in issue, and the trial judge awarded the Plaintiff $102,062.86 in overall damages, $50,000 of which was awarded for...
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Whalen & Chaisson v Allstate et al, 2022 NBKB 233 Reading Time: 3 minutes (approx.) By: Chloe Jardine (Articled Clerk) A dispute between Peter Whalen and Nicole Chiasson (“the Plaintiffs”) and their insurer, Allstate Insurance Company of Canada (“the Defendant”) regarding restoration costs to the Plaintiffs’ property following a flood resulted in the filing of...
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Aviva Insurance Company of Canada v Macdonald, 2022 NBCA 68 Reading Time: 3 minutes (approx.) By: Chloe Jardine (Articled Clerk) In the November edition of “In Brief,” we reported on MacDonald v. Aviva, 2022 NBQB 140. In that case, Joyce MacDonald, who was injured in a motor vehicle accident, was found to be entitled to...
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Property Damage Claim
Doucette v City of Charlottetown, 2022 PESC 11 Reading Time: 3 minutes By: Chloe Jardine (Articled Clerk) Gail Doucette (“Plaintiff”) filed an action against the City of Charlottetown (“the City”) following an oil leak at the Sherwood Recreation Hall in 2013. The Plaintiff, who had been residing in her home since 1982, was informed of...
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Erosion
AIG Insurance Company of Canada v Lloyd’s Underwriters, 2022 ONCA 699. Reading Time: 4 minutes By: Weston McArthur (Articled Clerk) The Forgets owned a home in Timmins, Ontario, which they moved into in 2013. Three years after they moved in, the home experienced progressive damage due to land erosion and instability. The homeowners sued the...
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Flooding
Emond v Trillium Mutual Insurance Company, 2022 ONSC 5519. Reading time: 6 minutes (approx.) By: Weston McArthur (Articled Clerk) In April 2019, the Emonds’ home was washed into the Ottawa River by flooding. The Emonds had a homeowners’ insurance policy with Trillium Mutual Insurance Company (“Trillium”). This policy included guaranteed rebuilding cost coverage (“GRC”). The...
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Ari v Insurance Corporation of British Columbia, 2022 BCSC 1475.    Reading Time: 4 minutes (approx.)    By: Chloe Jardine (Articled Clerk)     The Insurance Corporation of British Columbia (“ICBC”), which maintains a database of  personal information for every license holder and registered owner of a motor vehicle in the  province, was at the centre of a legal action when a former employee accessed this database and  sold information to a third party.     Between April 2011 and January 2012, thirteen individuals were the victims of shooting and  arson attacks on their homes and/or vehicles. The only connection these victims shared is that  their vehicles had each, at one point or another, been parked in the Justice Institute of British  Columbia parking lot.    Former ICBC claims adjuster, Candy Elaine Rheaume, was fired when investigation into the  attacks uncovered that she had accessed the personal information of at least 79 individuals  without any apparent business purpose. This information was sold to a third party, and ultimately  used to carry out the attacks.     This class action was commenced on behalf of all individuals who had their personal information  improperly accessed and those that reside with these individuals including, but not limited to,  those who were victims of attacks. The initial issue was whether the former claims adjuster  committed a breach of the Privacy Act, RSBC 1996, c 373. If so, the subsequent issue was  whether the ICBC was vicariously liable for their employee’s conduct.     The Supreme Court of British Columbia found that Candy Elaine Reaume had breached the  privacy of these individuals, as there was a reasonable expectation that the ICBC would protect  any personal information collected. Further, the ICBC was found vicariously liable for the  conduct as the court indicated that “…risk of such conduct was not only foreseeable, it was  actually foreseen” [para 74]. The Court highlighted the ICBC’s own privacy protocols, in which  the ICBC informs employees about the need to protect the privacy of personal information  collected and warns of the consequences resulting from accessing this personal information  without a business purpose.    Notably, the Court highlighted the involuntariness of providing information to the ICBC. All  drivers need to provide information to the ICBC to obtain a license and insure a vehicle in the  province. The Court found that, because providing this information to the ICBC is mandatory,  there is a reasonable expectation that the ICBC will protect this information.     The ICBC was found vicariously liable for the general damages and pecuniary damages caused by its employee’s breaches, but did not justify an award of punitive damages against the ICBC.     Link: https://www.canlii.org/en/bc/bcsc/doc/2022/2022bcsc1475/2022bcsc1475.html?autocompleteStr =ari%20v%20&autocompletePos=11
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