Lloyd’s Underwriters Syndicate No. 1183 TAL et al. v. McCain Foods Limited et al. –, 2022 NBQB 93 Read Time: 5 minutes (approx.) By: Chloe Jardine (Articling Student) This decision stems from a complex litigation between McCain Foods Ltd. and McCain Foods USA, Inc. (“the Plaintiffs”) and insurer Lloyd’s Underwriters (“the Defendant”). This initial motion...Read More

Cooperators General Insurance Company et al. v Martin et al., 2022 NBCA 15. Reading Time: 4 Minutes By: Weston McArthur (Articling Student) When a third party is injured by a liable driver in an automobile accident, they can sue the driver and get compensation from their automobile insurance. The importance of this to the automobile...Read More

Mansour v Rampersad, 2022 ABCA 173 Read Time: 3 minutes (approx.) By: Chloe Jardine (Articling Student) In May 2015, a vehicle owned by Krista Pinksen (“Ms. Pinksen”) was being driven by Roger Rampersad (“Mr. Rampersad”) when it collided with Yaser Mansour’s (“Mr. Mansour”) vehicle. The lengthy legal battle was concerned with the issue of whether...Read More

Lloyd’s Underwriters v Jagoe, 2022 NBCA 7. Reading Time: 6 minutes (approx.) By: Weston McArthur In a previous newsletter, we reported on the case recorded as Doug Jagoe v Lloyd’s Underwriters, 2021 NBQB 220, which has recently gone to appeal (see our article here: https://fosterandcompany.com/insurers-need-to-be-careful-to-define-key-words-in-policies/). To review the underlying case, Mr. Jagoe (Plaintiff in the...Read More

Province of New Brunswick v Clayco Construction (2001) Ltd, et al, 2022 NBQB 66. Read Time: 4 minutes (approx.) By: Chloe Jardine (Articling Student) In 2006, the Province of New Brunswick (“the Plaintiff”) awarded a contract to the Clayco Construction (2001) Ltd. (“the Defendant”). This contract was to complete the removal of remaining portions of...Read More

Figueroa-Monaca v Vautour-Landry, 2022 NBQB 98. Reading Time: 4 minutes (approx.) By: Weston McArthur (Articling Student) On May 7, 2018, Mr. Mario Figueroa-Monaca (“the Plaintiff”) was involved in a motor vehicle accident. Ms. Norma Vautour-Landry (“the Defendant”) rear-ended the Plaintiff’s vehicle in Shediac, New Brunswick, when the Plaintiff was at a stop in heavy traffic....Read More

Nebozuk v Northbridge General Insurance Corporation, 2022 ABQB 212. Reading time: 4 min (approx.) Written by: Weston McArthur (Student-at-Law) In July 1998, the Plaintiff was involved in a motor vehicle accident. On October 31, 2017, the underlying tort action finally settled. On December 20, 2018, the Plaintiff filed a Statement of Claim commencing an action...Read More

2102908 Alberta Ltd v Intact Insurance Company, 2022 ABQB 175. Reading time: 4 min (approx.) Written by: Weston McArthur (Student-at-Law) The operator of a bowling alley in Fort McMurray, Alberta, (the Plaintiff”) was insured with the Intact Insurance Company (the “Defendant”). On April 27, 2020, the Clearwater River in Fort McMurray overflowed into the city....Read More

Security National Insurance Company v Gore Mutual Insurance Company, 2022 ONSC 2083. Read time: 3 minutes (approx.) Written by: Weston McArthur (Student-at-Law) Carlo and Daureena Facchini, the Defendants in the underlying action, owned a property in Caledon, Ontario. Lynne Dinardo, the Plaintiff in the underlying action, slipped and fell on their premises. After a claim...Read More

Nursing Homes Act, RSNB 2014, c 125.   By: Weston McArthur (Student-at-Law)  Reading Time: 5 Minutes  On December 17, 2021, changes that were made to New Brunswick’s Nursing Homes Act (NHA)  came into effect. This piece of legislation lays out the law surrounding the establishment and  operation of nursing homes in New Brunswick.   The changes concern subrogation. In Riley v Ritsco, the British Columbia Court of Appeal  defined subrogation as “a doctrine that allows an innocent third party who pays compensation to  a victim, to stand in the shoes of the victim in recovering from the wrongdoer the amounts paid”  [para 110]. Subrogated claims operate differently depending on the circumstances, contracts, and  statues involved; in some cases, an insurer might have the victim sue on its behalf as part of their  claim, or may sue directly.  The prior version of the NHA did not have any sections pertaining to subrogation. In the current  version of the law, the subrogation provisions give the Government of New Brunswick the  ability to sue and claim money from wrongdoers who injure an individual to such a point that  they become a resident of its nursing homes for the purposes of funding the care of said resident.  Sections 28.1(1), 28.1(2), and 28.1(3) make this clear. Section 28.1(2) reads that “[t]he Crown in  right of the Province may make a claim in its own name or in the name of the person referred to  in subsection (1) who suffered personal injuries for recovery of the amount of assistance  provided by the Minister under section 23.”  Section 28.1(4) expounds that a wrongdoer will not be considered discharged of their liability  unless the injured party themself or the Crown attempts to recover or is successful in recovering  the amount that the wrongdoer owes the plaintiff. In tandem, section 28.1(6) plainly states that  “[n]o release or settlement of a claim is binding on the Crown in right of the Province unless the  Minister has approved the release or settlement in writing.”  Under section 28.1(7), if the wrongdoer was insured and the injured person does not attempt to  recover the cost of caring for them in a New Brunswick nursing home, then the insurer must pay  the Government the amount of that cost of care. In return, the insurer is off the hook with regards  to paying the insured party “in any subsequent claim.”  With all of that said, where the injured has already gone out and hired a lawyer and took  successful legal action against a wrongdoer wherein they recovered the cost of care for residing  in a nursing home because of the injury, the Government may authorize that the lawyer be  compensated for their service. This is discussed under section 28.1(9).  In conclusion, New Brunswick is unique among all other provinces and territories in Canada by having a provision in its nursing homes legislation that concerns subrogation to the provincial government. Link: https://www.canlii.org/en/nb/laws/stat/rsnb-2014-c-125/latest/rsnb-2014-c-125.htmlRead More