CASES HIGHLIGHT NEED TO BREAK DOWN STATUTORY ACCIDENT BENEFITS

Two recent decisions by the Ontario Divisional Court and the Court of Appeal for Ontario provide a sobering reminder of the necessity of providing clear and unequivocal breakdowns of the amounts received for Statutory Accident Benefits (SABS), including any lump sum settlements. A similar clear set of jury questions which separates each head of damage into past and also future losses in the tort claim must be provided to allow a judge to reduce the trial award by the corresponding statutory accident benefits, on a benefit-by-benefit basis, pursuant to s. 267.8 of the Insurance Act. In the Divisional Court decision of Mikolic v. Tanguay 2016 ONSC 71, the plaintiff settled their SABS claim prior to the trial in the tort action for an all-inclusive amount of $175,000, with the settlement disclosure notice attributing $77,500 for past and future income replacement benefits and $37,500 for past and future medical benefits. At the trial in the tort action, ...

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August 2017 ABR Updater: Issue 39

AMERICA THE BEAUTIFUL: AUTO INSURANCE FOR ONTARIANS

Instead of staying put all year in the great white north I, like many Ontarians, regularly visit the beautiful American ...  Continue

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